vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX needs to be shut down. They are not above the law. They do not refund money when unauthorized purchases are made on social security credit card. I purchase a XXXX car wash and somehow under the transmission they took out all of my funds of XXXX. Now this is only a car wash not a place to pump gas. It was so obvious there was an error but XXXX XXXX denied my claim. You really need to investigate this I now think they have an automatic denial letter generated for false charges to the consumer 's and they forget they are regulated the federal laws like a bank. I believe this is an incredible crime on their part and I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: NY

Complaint narrative:
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other 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 2019-02-03 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: NY

Complaint narrative:
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other 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 non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Ive own my home for 9 years and the payment has been ridiculous because of the pmi. 2years ago i had a conversation with lender about getting the pmi removed and they told me over the phone that XX/XX/2018 it would drop off. It has not and cost me XXXX extra a month. All they do is deny any conversation when i had written everything down the day of the conversation. Ive always been on time wth payments just seems as if my balance never moves. PMI is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is  destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my report

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 2019-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX  wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.

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 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX 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 2019-02-03 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma has had a temporary frozen dispute since XX/XX/2018 can not get them to correct problem contacted them # 6 times so I can not dispute balances on credit card balances which are usually # 2 month behind So this is keeping my credit scores down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I contacted IC Systems regarding a utility bill with XXXX XXXX, Account Number XXXX ( with IC Systems on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XXXX. I reviewed my credit report and found that IC Systems no longer has this account in my name but now XXXX XXXX   COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XXXX, SIGNED XXXX XXXX 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 2019-02-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation
State: IN

Complaint narrative:
XX/XX/2019- {$1300.00}. Affiliated Acceptance Co added a new account to my credit report.

XX/XX/2019- $ XXXX- Affiliated acceptance Co added a delinquent charge to my credit report I have spoken to the both companies involved. The company who the original charges were for and the credit collection company. I do not owe this money. They offered me an unfair settlement. I told them I wouldn't accept a settlement when I don't owe the money to begin with. This dropped my credit score over 100 points and is extremely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have tried over 6 times to get my loan re certified for the income based repayment plan. When I finally did get my loans into the repayment plan I have a monthly bill of {$120.00}. I've told Navient numerous times that I cant afford a monthly bill. My income is the only income available to pay bills. I'm paying rent, car insurance, water bill, electric bill and oil heat bill. On top of the bills I also have to pay for groceries. I'm struggling and I need proper assistance. Navient isnt answering my phone calls, returning my phone calls or responding to my emails. What navient does do is send me harassing emails. I'm sick and tired of Navient playing around with my livelihood. I cant afford for my paycheck to get garnished. I need help and I'm not getting any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: CA

Complaint narrative:
There is an inquiry from XXXX XXXX dated XX/XX/2018 on my credit report. At the time, I was checking online with XXXX to view my rates on a loan. In doing so, the disclaimer said this will not affect your credit score as we will not pull a hard credit inquiry. 

The next day, I received an alert on my credit monitoring service that a new inquiry was made with Equifax and XXXX XXXX from XXXX. 

I called XXXX and spoke with an account manager. They agreed that a hard inquiry should not have been requested and asked that I fax over the credit reports in question. 

I received correspondence from XXXX that they have requested the inquiry be removed from my credit report as I never applied for the loan. 

XXXX  removed the inquiry and sent me a new credit report which is attached as well as the letter from XXXX and the letter from Equifax saying they will not remove the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: DE

Complaint narrative:
In XX/XX/2017 I was forced to give up my car to XXXX XXXX XXXX XXXX because they wanted cash despite having acknowledging they had my payment in their hands. They claimed because there was a previous issue with my payment they refused to accept another check, however they had accepted and cashed multiple checks since but because the repo man had been sent despite having my payment in their hands, they refused to cash and demanded cash, which because of the time zone difference was impossible and I was forced to give over my car. Since then, I received a notice they would be putting the car up for auction. On the credit report it states they sold it however, I have never received the paperwork they are required to provide upon sale. I've contacted them multiple times and have been denied access to the person who is apparently responsible for my account. The amount should be adjusted to reflect the sale and the payments I've made. I've had no help with this and my attempt to dispute wasn't handled fairly.

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 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My brother ssn got mixed with mine in result, countless report item that belongs to him are under my ssn

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 2019-02-03 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:
XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX   {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX ct XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX please assist me in removing all negatives due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc.
State: DE

Complaint narrative:
On XX/XX/2017, Screening Reports company did a hard inquiry on my credit on behalf of XXXX XXXX XXXX XXXX  located in XXXX Delaware.This was wrongfully done because I only lived there as an occupant not tenant. I have never applied for an apartment with XXXXXXXX XXXX XXXX XXXX. I contacted the apartment office and they acknowledged their mistake but still told me nothing can be done to fix it. I called the screening reports company that ran my credit and explained the situation and even attached a letter and send it to their disputes department via email as attached below. Screening reports company kept asking me to get a deletion letter from XXXX XXXX XXXX XXXX. Im not able to do this because the apartments office has told me several times there is nothing they can do to fix this. This is damage to my credit reports with the beaureaus and has directly affected me over the years. It is not fair and Im asking for justice. Please help. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Since about XX/XX/2017, receiving Toll Free Number XXXXor XXXX telephone calls up to 3-4  times per day on my direct line for work, days and weekends.Calls begin as early as XXXX and as late as XXXX. Recording is heard when phone is picked up so unable to request that they stop calling me.

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 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit? 

I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to. 

I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment. 

Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms. 

Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN

Complaint narrative:
NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: FL

Complaint narrative:
XXXX XXXX XXXX {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX inquries Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft

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 2019-02-03 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: FL

Complaint narrative:
XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX   {$140.00} XX/XX/XXXX XXXX  XXXX  {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft

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