vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY IS REPORTING TO THE CREDIT BUREAUS THAT I OWE A DEBT OF {$290.00} FOR AN ACCOUNT OPENED XX/XX/2012 WITH AN ACCOUNT NUMBER ENDING IN XXXX. I HAVE WRITTEN THEM A LETTER ADVISING THEM THAT THEY NEED TO STOP REPORTING INCORRECT INFO UNLESS THEY CAN PROVIDE ME WITH PROOF THAT THE DEBT IS MINE AND THIS IS WHAT THEY SENT ME. WHICH DOESN'T PROVE ANYTHING AND THEY REFUSE TO STOP REPORTING INCORRECT INFO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When l checked my XXXX credit report, l noticed that there is a hard inquiry reported by WELLS FARGO BANK on XX/XX/2018 which l have NO idea about it.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XXXX. 

The three credit reports came from TransUnion, XXXX Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
At approximately XXXX XXXX on Monday, XX/XX/XXXX I came home from lunch ( I work XXXX XXXXXXXX ) and found a white car sitting in my driveway. I had to wait on them to pull out so I could pull in. When I approached the car it was a representative from Tower Loan of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She stated I owed money and needed an arrangement. I told her I had a pending Chapter XXXX filing and we'll be in touch once I get the case number. She unbuckled her seat belt and stated she was going to come in and get my personal property collateral I supposedly gave them. I told her she can't do that and she stated she could because I signed some form. She had no court order or sheriff officer with her, nor have I been served with a lawsuit regarding such debt. I told her to leave my property or I'll call the police. She said she was calling the manager and parked her car on the street blocking my driveway so I could not leave. I had a meeting so I went back to work in my XXXX office. 15 minutes later a blue car pulls up and the gentlemen continuously knocks and rings the doorbell for 19 minutes. He left his card, name was XXXX XXXX. I was unable to call the police due to my work meeting. I felt very threatened and could have easily treated this as an attempted home burglary resulting in a 911 call, which will happen next time regardless of my work schedule. To top it off, the letter she left me stated I had until the XXXX to make arrangements for the alleged past due and they are trying to steal property on the 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 2018-05-07 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to CNBA On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to Citibank N A On the day of each inquiry, I was notified by XXXX and both XXXX and myself called Citibank to notify them that was not me the application was fraudulent. 

Citibank took the appropriate actions and notified XXXX, XXXX XXXX and XXXX. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - XXXX will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - Citibank helped during the initial dispute but now has no idea what to do. I asked them to notify XXXX that these two inquires are fraudulant and must be removed.

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 2018-05-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When l checked my XXXX credit report, l noticed that a hard inquiry was reported by CHASE CARD on XX/XX/2018 which l have no idea about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The account showed up on my credit report. I had no prior knowledge of a debt with any medical group as I have VA Healthcare. I called the original creditor and they said they have no knowledge of me ever having a bill or debt with them. So I then disputed it through XXXX XXXX and it was said to be within standards or something to that effect. I then called the company asking them about the debt and if they would remove it and how I can dispute it. They said a dispute was already submitted. The issue is that this is effecting my credit score and Im currently trying to purchase a vehicle. I have no knowledge of this debt nor did I go into any contract of any kind with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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:
I disputed an account on my Equifax report. It is from a collection company called XXXX XXXX XXXX. Original creditor was XXXX XXXX XXXX XXXXXXXX XXXX. I have no clue who this original creditor is. Equifax said the information was accurate but when I spoke with a representative I was told their investigation process was to ask XXXXXXXX XXXX if the information was correct. They replied that it was. The end. I have asked Equifax and the creditor to supply me any kind of proof that the account is mine. No one has. I have no idea how to prove that something does not exist. Please help. The amount of this collection is {$220.00}. Original date open was XX/XX/2013. I certainly do not believe that the FCRA held this type of investigation as appropriate protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: MD

Complaint narrative:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.

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 2018-05-07 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: LA

Complaint narrative:
I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

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 2018-05-07 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: LA

Complaint narrative:
I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

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 2018-05-07 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XXXX/XX/XX/2016 I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's.  Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP
State: WA

Complaint narrative:
On Thursday XX/XX/2018 I went to Key Bank to withdraw money from the ATM at the branch on XXXX XXXX XXXX WA. I pulled up to the ATM and inserted my Optplus visa card and began the transaction. I had used this card dozens of times with no problems. This time the ATM said my transaction was declined, but did not give me a reason as to why. I went into the bank and explained what had happened. I was told that this was not the first time the ATM had " eaten, '' tellers words a credit card that was not Key Banks. That was bad but what happened next was worse. I said I did not want to get more overdraft fees and asked if I could do a bank transfer and was told no, the bank did not do that. I was referred to the bank MGR. I explained what had happened and he said there was nothing he could do. I explained that it was KEY BANKS faulty ATM machine that had eaten my card and he said basically too bad! I closed my account there and then. No one even said they were sorry! Worst customer Svc!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
person misrepresented amount i owed conversation was on XX/XX/XXXX the amount quoted was XXXX actually was XXXX company is choice recovery inc

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: LEXISNEXIS
State: VA

Complaint narrative:
I was denied an apartment with XXXX XXXX Apartments ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from Lexis Nexis.credit Bureau that the information pulled from was XXXX. On XX/XX/XXXX I placed a suppression and freeze on all Lexis Nexis files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I  received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. 

There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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:
On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXX On XX/XX/XXXX a Hard Inquiry on a fraudulent application was submitted to XXXXXXXX XXXX XXXX On the day of each inquiry, I was notified by XXXX and both XXXX and myself called XXXX to notify them that was not me the application was fraudulent. 

XXXX took the appropriate actions and notified XXXX, XXXX XXXX and Equifax. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - Equifax will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - XXXX helped during the initial dispute but now has no idea what to do. I asked them to notify Equifax that these two inquires are fraudulant and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: CarFinance Capital LLC, Irvine, CA Branch
State: CA

Complaint narrative:
When l checked my XXXX  credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have filed two complaints with documentation against Santander Consumer ( please refer to XXXX and XXXX ). Santander has not provided full and specific answers requested in the prior complaints, hence my current complaint. This process is a farce because Santander 's responses to CFPB complaints is not reviewed or evaluated by CFPB for accuracy and completeness. Thus, CFPB only serves as a point of contact for Santander and the complainant. Hardly helpful when Santander is a rogue organization flouting the law and good business practices. Therefore, in response to this complaint I request that Santander provide the correct department, address, etc. to whom they want a draft copy of a Federal Court Complaint to be delivered. This lawsuit will set forth the facts included in the two prior CFPB complaints, the responses by Santander, and the specific relief sought in the action. The response to this CFPB complaint will be included in the record of the pending Federal Court action. It is regrettable that the CFPB is not better equipped to protect the public from financial misdeeds by bad actors like Santander, whose record of abuse is well documented. This is just another instance which has not seen the light of day, but that will change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We send XXXX to a fraudulent account belong to wells fargo customer on XX/XX/XXXX. Wells fargo is not willing to give back the funds after my bank set up a request by ( recalling the money ) the same day on XX/XX/XXXX. Wells fargo wanted give my bank full responsability for the finds and my bank said they didn't did the mistake and now both banks are in dispute on who should take full responsability for those funds. I have serve wells fargo on XX/XX/XXXX waiting on respond.

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