vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XXXX of 2017 I ordered a free copy of my credit report for XXXX, Experian, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries XXXX 1. XXXX XXXX Bank Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX Experian 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX XXXX. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: FL

Complaint narrative:
To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: FL

Complaint narrative:
To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing oXXXX XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this debt, original creditor XXXX XXXX account XXXX was settled in full with a partial payment with the original creditor XXXX XXXX, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to portfolio recovery associates who has all the pertinent information but illegally leaves the trsdeline on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
this debt, original creditor capital one account XXXX was settled in full with a partial payment with the original creditor capital one, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to XXXX  XXXX XXXX who has all the pertinent information but illegally leaves the trsdeline on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted an online dispute with Equifax in XX/XX/XXXX in regards to late payments being reported on my student loans, which are currently being serviced by XXXX. My student loans have never been late and I submitted documentation showing my loans were in forbearance and/or a revised pay as you earn plan ( {$0.00} a month ). I have listed 6 of the 12 loans ( due to not wanting to confuse anyone ) which are being reported inaccurately. All 12 loans have the same issue and I can upload more documents if need be. The accounts are listed in the same order as they appear on my credit report. 1. Original Loan Amount {$3500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 2. Original Loan Amount {$2700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from (XX/XX/XXXXXXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 3. Original Loan Amount {$1700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 4. Original Loan Amount {$1400.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 5. Original Loan Amount {$5500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 6. Original Loan Amount {$5000.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX- 2016 XXXX XXXX XXXX XXXX-2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
I have a collection on my credit report from a company AWA Collections XXXX XXXX XXXX stating I owe {$520.00} and the account was opened XXXX XXXX, 2012. I have never had a credit relationship with XXXX XXXX. I have never signed or opened a credit card with XXXX XXXX. I have asked the company to send something showing me that I have a signed note with the company however they have not done anything other than leaving the information of a debt with the credit reporting companies. I have disputed this claim multiple times to no resolve. I have called the company as well and they tell me that I need to contact XXXX XXXX which I have tried no answers. AWA Collections XXXX. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. This is not accurate information to the best of my knowledge and is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Customer service for Coinbase will not reply to my inquiries. This is happening to thousands of people worldwide. I have thousands of dollars in my account, and ca n't access it until customer service responds to me. They have more or less locked up my account until they get to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposit cash into my Wells Fargo Debit card account to purchase 2 airline tickets authorized on XXXX XXXX, 2017. $ XXXX/ticket totaling {$1900.00}. I fly and return home. I observe the posting in my debit card account and receive email confirmation and all went well at airport. XXXX XXXX, 2017, I see Wells Fargo post 2 new {$980.00} transactions and for the first time in my account history, my debit card balance goes negative. I disputed with the fraud department but because Wells Fargo says the passenger tickets match my passenger names, they wo n't remove the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX  immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I have attempted multiple times to remove this debt that does not belong to me from diversified consultants. The company mail information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sold a debt too diversified consultants did n't receive notice in mail but received calls debt was paid in full but yet still has derogatory statements and was still sent into collection 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, Experian, and XXXX Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation