vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,

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 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Investigative Concepts, Inc.
State: IN

Complaint narrative:
I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I noticed a debt on my credit report that was discharged in a chapter XXXX bankruptcy in XXXX of 2015. The debt has since gone to three different collection agencies. XXXX XXXX XXXX XXXX ( Original Creditor ) sold or placed the account after my bankruptcy. XXXX was very aware of my bankruptcy. ( See case no XXXX filed in United States Bankruptcy Court XXXX XXXX of California ) All of the other debt collectors that put the discharged debt on my credit report removed the debt without question. IQ Data ( new collection agency ) stated that they will not remove the debt. I provided them the case number yet they still refused. After doing a simple XXXX search, I found that this is common practice for IQ Data. I have now sent in a dispute and demand letter to IQ and all the credit reporting agencies demanding removal. I have also retained counsel to file a lawsuit against all parties.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have on three occasions sent equifax and XXXX a POLICE REPORT AND IDENTITY THEFT REPORT TO HAVE THIS ACCOUNT XXXX CARD BLOCKED FROM APPEARING ON MY CREDIT REPORT, it is not my account XXXX bas permanent ly blocked it an deception even called XXXX and has a recorded conversation from a XXXX in fraud validating it was fraud the application provided fraud not me and equifax was notified by XXXX, i have called about 4 times a day for a month to have this escalated and i have been yessed and mis informed and my fraud statement called and gave never apearred on my account that i was a victim of fraud and was never late the XXXX account appearing on my equifax report is n't mine. Well equifax after numerous calls for months is breaking my rights .The clause and statements not on my report. Then i went and got an new police report because this discover account every time i dispute it or XXXX XXXX i hired dispute in it comes off and next month right back on I 'm its and I want my legal right s validated. Equifx has two legal identity theft reports on file with police report and I WANT THE FILE XXXX BLOCKED FROM MY CREDIT REPORT. No 81-Month Payment Data available for display. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} 120+ DAYS PAST DUE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, DE-XXXX ( XXXX ) XXXX and XXXX police reports and identity theft reports is with equifax for months. Equifax said they accepted my reports but had to wait for the dispute process to e over to override the computer but still no nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
In a written letter to Selip and Stylianou LLP, I asked the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent However, I was given photo copies of alleged billing statements and that was it. This is a violation of my rights as my debt verification has NOT been addressed. Please see the letter I wrote and their lack of providing me with the adequate information asked below.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: LA

Complaint narrative:
I am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Dear Representative, On X/X/2017 I called this servicer and spoke to : XXXX XXXX with no call backs concerning the Modification application submitted. Was told that it would be uploaded into their system and he would call back on X/X/2017 @ XXXX XXXX. Since then I have left several messages and no follow through by the servicer concerning this matter.
This is unethical and unprofessional. I need a call back soon. Also, need to know were to make the payments to them or XXXX XXXX XXXX. Who is servicing the account?
XXXX seems not to be aware of the account so we need to clear these issues up!
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it?
How do I PAY?
Loan Modification Info. requested??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since 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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/13 i purchased a brandvnew XXXX XXXX XXXX XXXX XXXX. The car was roughly {$35000.00}, and i also had a trade in that i still owed {$7000.00} on, so that amount was added into the loan because the creditor paid it off after i traded it in. The grand total was XXXX including the nee car and the amoint owed on the old vehical. Eithin a week of purchasing the vehical i got a notice in the mail stating that my licence would be suspended if i did not pay off {$35000.00} in parking tickets. I had no other choice but to file bankruptcy, however the bk judge ordered the car be paid outside the bk. I paid for the vehical for 3 years outside the bk. However the creditor filed a claim and was ( mistakingly ) getting payments inside and oitside the bankruptcy against judges order resulting in an overpayment due to me. They ( XXXX XXXX XXXX ) sent me an overpsyment check in the amount of {$2000.00}. However three months prior ti sending the vheck they reposessed my car stating that i owed {$1300.00}, at the time of repossession, which was innacurate, as evidenced by the overpayment check i recieved. Also, as explained above the creditor recieved payments inside and outside the bk in the amount of about {$30000.00}, regardless of this fact the crefitor maliciously reported to my credit that i owed a sum of almost {$70000.00}. My credit svore was XXXX before this however as a result my credit score has dropped to XXXX, even though i have disputed in writing and the creditor has lowered the amount it said i previously owed my crefit remains damaged and i do n't have a vehical as a result. The creditor refuses to give me validation of the debt they say i owe. Which i have requested in writing over 30 days ago.

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