vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 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: NC

Complaint narrative:
Hello ; I have been at odds for the last two years with all three credit reporting groups ; Experian ; XXXX XXXX ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

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 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
Today, XXXX XXXX, they shared my personal information regarding a debt with my father without my permission. They also sent him an email to his email address regarding my debt. As far as I am aware, this is highly illegal since I am over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal data was exposed with the Equifax databreach. My complaint is Equifax is not / has not agreed to pay the fee for a credit freeze with the other two reporting agencies - XXXX, and XXXX. 

The data stolen with the Equifax databreach can/could be used to obtain credit, under my name and ( stolen ) information, via any institution that uses one or only of the other two reporting agencies - XXXX and XXXX XXXX. My bank, XXXX for example, uses only XXXX to check credit when one applies for a new credit - NOT XXXX. Thus, with the Equifax databreach, my peresonal data could be used to obtain credit at XXXX XXXX. 

XXXX and XXXX charge a fee to place a credit freeze on my account/info. This fee is waived, presently, for Equifax - due to the databreach, BUT EQUIFAX IS RESPONSIBLE FOR MY PERSONAL DATA BEING LOST, AND SHOULD BE RESPONSIBLE ( FEE PAYMENT ) FOR MAKING SURE A CREDIT FREEZE IN PLACED WITH ALL THREE AGENCIES - XXXX, XXXX, and Equifax .... NOT JUST EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: NC

Complaint narrative:
Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; XXXX XXXX ; and Eqifax. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
There is two account on my XXXX and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

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 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: First Data Corporation
State: MI

Complaint narrative:
I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.

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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MISSION FINANCIAL SERVICES CORPORATION
State: NV

Complaint narrative:
The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: GA

Complaint narrative:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit 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 non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
In response to your response of We appreciate the opportunity to respond to this complainant. A review of our records reveals an account that may belong to the complainant. The name is a partial match ( 2/3 ) perhaps maiden name used, but the address does n't match. The account was placed with us in XX/XX/XXXX and a collection notice letter was mailed to the account owner. To properly review our records we will need the complainant to confirm the address used during that time period along with her date of birth and/or social security number. Upon receipt of this information we will complete our investigation of the complaint. 

My Name Is XXXX XXXX. The account must be under my maiden name ( XXXX ) You claim to have had this debt since XX/XX/XXXX but yet you placed it on my credit report between XX/XX/XXXX-XX/XX/XXXX? Again as a consumer that 's protected under the FRCA i would like to be able to use MY rights and dispute this account. It needs to be removed while i am requesting debt validation from this agency. I am requesting proof of this debt and a medical release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Associated Management Company Inc
State: CA

Complaint narrative:
I received a call yesterday XX/XX/XXXX from a number I 've never seen. I initially did not answer it. I then received a call from my brother who indicated a man called him asking where I was and said his name was XXXX XXXX. My brother did not provide the man with any information, I do not live with my brother, he has never consigned a loan for me or been on as a referral.I called the number back and heard the initial voice message indicated that I was calling AMC XXXX XXXX and then a man by the name of XXXX XXXX answered, I asked him who he was and did not identify myself. He then said he knew I was XXXX XXXX, he found out all about me, my job, he knew where I lived and knew who I worked with. He then stated that he had a " unique '' way of dealing with situations. All the time never stating what he wanted, payment, what I owed, just intimidating me. Out of immediate fear I hung up the phone and I then contacted the XXXX police department, they sent police offficers to my home to interview me and file a complaint with this individual. They contacted the same number, spoke with both XXXX XXXX and XXXX XXXX and explained that they were not to contact me since the allegations were on the border of harassment and potentially criminal. The police officer, Officer XXXX, also asked ( at my request ) that they mail me any demands on their civil request. At which point XXXX XXXX stated they had. My complaint is against AMC XXXX, the phone number I was contacted by is XXXX. I want an investigation opened for violations of FDCPA.

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 2017-09-27 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: NC

Complaint narrative:
MY NAME IS XXXX XXXX, I HAD A CAR THAT I BOUGHT FROM CARS FOR LESS IN XXXX NC BACK IN XX/XX/XXXX I WAS TOLD THAT I HAD TO HAVE A XXXX DOWN PAYMENT AND I GAVE HIM XXXX AND HE SAID THAT HE WILL PUT XXXX TO GET THE LOAN AND I ADV HIM NO, BUT HE DID IT ANYWAY AND I WAS GRANTED THE LOAN FROM XXXX XXXX XXXX. I HAD NO ISSUES MAKING MY MONTHLY PAYMENTS UNTIL MY JOB GOT SLOW AND I WAS ONLY WORKING 1 DAY A WEEK. MY PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. IN XX/XX/XXXX I CALLED THE COMPANY AND ASKED IF I COULD PAY MY PAYMENT ON THAT FRIDAY WHICH WOULD HAVE XX/XX/XXXX I CALLED WED THE XXXX I WAS TOLD THAT THIS WOULD BE FINE AND I COULD CALL IN, BUT ON THAT THURSDAY NIGHT I HAD TO WORK AT XXXX AND MY CAR WAS GONE i was told that CAR WAS REPOSSESSED FOR NON PAYMENT AND THEN I WAS TOLD WAS REPOSSESSED FOR NO PROOF OF INSURANCE AND THEY BOTH WERE NOT TRUE I CALLED AND MADE AN ARRANGEMENT AND I ALSO HAD FULL COVERAGE THE ENTIRE TIME I HAVE EMAILS THAT THE REP SENT AND REORDERED CALLS THAT THEY HAVE AND NO ONE COULD GIVE ME A GOOD ANSWER AS TO WHY NOT ONLY THAT I WAS TOLD THE CAR WAS A LEASE AND I NEVER EVER HAD ANY IDEA OF THIS AND WAS NOT EVER TOLD AT THE TIME OF THE DEAL THAT I WAS IN A LEASE. NOW THEY ARE SAYING THAT WILL BE ON MY REPORT AS A REPO AND I DO N'T THINK THIS IS FAIR I HAVE TRIED AND TRIED TO DISCUSS WITH THEM BUT TO NO AVAIL THEY WONT LISTEN I HAVE FILE A COMPLAINT WITH THE ATTNY GENERAL AND NOW WITH YOU PLEASE HELP ME PLEASE GET THIS CORRECTED IN ANY AND EVERY WAY YOU CAN ASSIST ME. PLEASE ASK THEM FOR EVERY CALL AND EVERY EMAIL THEY HAVE THANKS IN ADVANCE I FEEL SCAMMED I HAD MY GIRLFRIEND DISCUS WITH THEM VIA EMAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have spent 39 hours on the phone on 21 different occasions with this company. They are reflecting 2 missed payments but can not tell me where they are. The only way I found out about this was when I pulled my credit report two years ago. Yes, I have been arguing this out with them for two years. They are telling me that they can not find any missed payments and sent me a printout of my account history that can only be deciphered by an accountant, which I am not. I sent them a " Qualified written request '' on XXXX XXXX, 2017. I received a letter back stating that they could not sent me the information requested because it was too broad. I am in tears at this point and need it to be taken care of.

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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.

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 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hi I took a car loan for a XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX XXXX, now ( XXXX XXXX ), back in XX/XX/XXXX. The vehicle was financed by TD Auto Finance Company. The duration of the loan was for five years, up until XX/XX/XXXX. 

I 've paid the entire loan amount including principle and interest to the sum of {$19000.00}, back in XX/XX/XXXX ; expecting the finance company to mail me my original title. They sent me a lien release letter stating that the vehicle was paid off. I waited over ninety day 's for the title but it never came. 

I contacted the finance company : they directed me to Virginia department of motor vehicle ; DMV told me they never received any title for the vehicle and should contact the dealership ; dealership referred me to TD Auto Finance. I 've been tossed around like a football the past six months, and efforts to get my title from the finance company has been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: ERC
State: NJ

Complaint narrative:
I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating. 

Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been told by equifax that they never received my dispute regardign ID theft on my account. That is completely false, because I have submitted it numerous times before. Equifax is intentionally denying my request to remove the unauthorized account from my credit report. 

XXXX XXXX ( XXXX ) ( XXXX ) This accounts were obtain through fraud and are not mine. I have included previous POLICE REPORTS, FTC ID THEFT REPORT, as well as statements and Equifax has denied my request.

Company response to consumer: Closed with explanation