vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX  regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: MN

Complaint narrative:
I attended XXXX College in XXXX XXXX, MO and they closed down voiding my earned certification and training and career placement program. 

XXXX College XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX several times about this and told them about the school closing and informed them about the closure and loan forgiveness plus refund of all tuition paid. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX Both XXXX College and XXXX XXXX XXXX XXXX  XXXX are not responding to resolve this and are still collecting again my wages on this student loan which is basically worthless with all benefits of the program discontinued. 

Please assist me in stopping the collection of this student loan immediately and removing it from my credit reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experience, XXXX, XXXX  refuse to stop an eviction that is on all three credit reports. From XXXX  XXXX XXXX XXXX New Jersey which was over 7 years ago. It is damaging me to find a place to live. XXXX XXXX keeps reporting the eviction that happened in 2012. I need this to cease it keeps going. The statue of limitations is over. And it needs to stop being reported. Under the fair credit practices act. Thank you.

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 2019-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi my old account number = XXXX on my checking, and savings account, on my old documents to now, I owe = XXXX, XXXX $ from XXXX XXXX XXXX, I had a Co, that did = Theft & Fraud, etc to a Loan, and try to submit a Fake SSI Check, in my name from another Theft < Fraud, type, = The Loan was for = XXXX , and the Fake SSI Check, was in XXXX $ amount second Crime, Theft & Fraud, I would like my Financial losses Legaly Reimbursed, $ $ in the Amount of = XXXX $ asap Please and have the Names and Numbers, etc Criminal Docs shown legal Docs to me? The Group Thefted and frauded my Phone and Email at House Big $ $ and Mail I, m sure?

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 2019-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I applied for a XXXX  XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.

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 2019-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a XXXX XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX   credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, www.experian.com a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.

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 2019-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP
State: LA

Complaint narrative:
On XX/XX/2019 XXXX from XXXX XXXX called and spoke with someone other than myself and divulged personal financial information regarding an account being overdue for payment. This clearly violates my rights in disclosing this information to a third party other than myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I just received an email from Mobiloans who is the original creditor alleging that I took out a payday loan with them, I have never heard of this company and was a victim of identity theft, as I filed a police report in addition to a report with the FTC, I never authorized a loan with Mobiloans or this third party they sent this account to, furthermore I have not received any mail from them with a proper debt validation. I am very familiar with my rights and would appreciate if this debt is removed from all 3 credit reports as there is no signature showing that I in fact owe this alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-05 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: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
In 2015 me and my ex wife bought a home with Vanderbilt mortgage finance company and we divorced and she got the home and judge awarded her it and left me legally not responsible for it at all. Since then it has appeared on my credit and has hurt it where I cant get a loan or mortgage cause of it. I have called them and asked them to remove it and they said they wouldnt and I have told them several times that I have legal papers to show that I am not longer responsible for the mortgage loan and they said they dont care, So I went and ask a judge about it and it was told to me I have rights and to file a complaint against them to have it taken care of, so I have filed a complaint with credit bureaus and I have done it again and hopefully it will be taken care of. They have been rude and unwilling to corporate and it is not right for them to do this to someone. Its illegal and Im just trying to get them to do whats right It should be removed from all credit bureaus and no bad comments or anything negative on there from them cause this is horrible

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 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made an online payment from my XXXX XXXX XXXX XXXX account on XX/XX/2019, it was posted to my Wells Fargo Bank Secured Credit Card XX/XX/2019. However, my {$250.00} payment has been on hold and will continue to be on hold until XX/XX/2019, unless I fax proof the payment debited my checking account. In the meantime, I wonder if I am being charged 28 % apr everyday my payment is on hold and how long WFB has been processing my payments this way and to how many others. In the meantime, WFB is earning interest on my payment and not making my credit available to me for use. I had to fax a copy of my bank statement with my name and account number as well as my credit card number for them to release the hold on my credit limit. ( which I did today )

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 2019-02-05 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: CA

Complaint narrative:
I have contacted Transunion several times by phone in the past 6 months but whenever I call I am transferred to a vm. I am told that my file is being handled in a certain department because I am a victim of ID Theft. With that said, I never receive a call back and the fraudulent items remain on my credit. 

I had received an alert about two accounts from the same company that had been placed on my credit. I contacted the company and sent them a copy of my police report and they said they closed the account and could tell it was fraudulent. Transunion still reports the accounts on my credit as closed as well as two other accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry XXXX 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 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME XXXX, I AM A XXXX, XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a auto loan through Wells Fargo Dealer Services. 

My auto loan was charged off on XX/XX/XXXX. 

I made a payment on XX/XX/XXXX that they have record of but they said for some reason the payment never went through. I had sufficient funds in my account at the time I attempted to make the transaction. They had no specific information was to why my payment never went through. 

I was never emailed or contacted by phone to be notified my loan was about to be charged off. 

Additionally, when I found it was charged off they presented me with a number of payment plans. The cheapest option was XXXX a month for 3 months, to bring my payment back down to XXXX for 12 months. 

I explained that I was currently in school full time on the GI bill and that the problem with my payment history stemmed from highly publicised issues the VA was having paying veterans their GI bill payments. 

I further explained that XXXX was the exact amount I was getting in GI bill payments for my area and that would be an undue burden. 

They said they were sorry and that there was nothing they could do. 

I even attempted to refinance with a very credit worthy cosigner theough wells Fargo and they would not refinance me. 

So now for the next 3 months the XXXX a month I make through the GI bill is going straight to my car.

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 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom it may concern : I attempted in many occasions to settle a debt I had with American express. Whenever I had a verbal agreement and tried to make payments, they cancel the original agreement. 
After many unsuccessful settlements I asked for the last agreement to be in writing. On XX/XX/XXXX I I received a detailed confirmation of the settlement as indicated on the attached copy. I have been making payments on time as per agreement. To my surprise on XX/XX/XXXX I received another letter asking me to pay the entire balance that was the reason of our initial dispute. 
The copy of that letter as well as the payment confirmation are attached to this message. 
Hopping to hear from you very soon. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Professional Accounts Service, Inc. (Indiana)
State: PR

Complaint narrative:
I RECEIVED A UNSOLICITED CALL FROM A UNKNOWN XXXX COMPANY ABOUT CREDIT SCORE PROBLEMS. I DO NOT REQUEST THEIR SERVICES AND I WAS RUDELY THREATHEN BY THE CUSTOMER SERVICE PERSON WHEN I DID NOT PROVIDE ANY INFORMATION AND ASK MORE ABOUT WHY AND HOW THEY CONTACTED ME. THE NUMBER OF THIS COMPANY IS XXXX XXXX XXXX. THE REFUSED TO PROVIDE ANY INFORMATION ON HOW OR WHY I WAS CONTACTED AND HANG WHEN I REQUESTED A SUPERVISOR

Company response to consumer: Untimely response
Consumer complaint received 2019-02-06 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: CA

Complaint narrative:
In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Thats not a full and complete investigation. You didnt addressed my complaint if you look at my credit report it shows that in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I made payments on this car that information is falsified. Show me my  payment history. They made {$1.00} payments to keep this automobile in statue. I dont know what I owe. I dont think I owe anything. Ive been given several different amounts and it was XXXX then it was XXXX and now its reflecting as XXXX on my XXXX. I have not made any payments since XXXX or XXXX the car was sold to me as a total out vehicle. Check and see wasnt that car totaled by checking the VIN # and youll find out that XXXX XXXX was paid by Insurance Company and Westlake. They should go after them. I spent over 5,000.00 in repairs on this car only to find out they shouldnt have never sold me that vehicle. On top of that Westlake is also shady they have been making payments on this account as though I was making them. Please investigate this to the fullest and you get to the bottom of the truth. I could have sent you those same papers but thats not what I owe, like I said if you look further you will find deceit on XXXX XXXX behalf and Westlake Financial.  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: NH

Complaint narrative:
I received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX  to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX  report as they carry no active balance and have remained and still remain as a charge-off.

Company response to consumer: Closed with explanation