vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My identity was stolen and continues to be used from time to time. My credit score was XXXX in XX/XX/XXXX and had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXXhave had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
I have some late fees, that I'm well aware of, and am paying extra back on each monthly payment to catch up. 
GM Financial is the company, and they call EVERY DAY/ALL DAY to remind me that I owe them money, regardless of how many times I told them what days/times I work. 
I have clocked off of work so many times to answer their call to tell them that I am at work - when I'm off - and to call me then. 
However, since they call EVERY DAY, all hours, I decided to stop answering their calls and just maintain my account through the online service, as I was before any debt occured. 
I just want them to STOP calling. I know I owe money, hence why I'm paying extra every month, sometimes TWICE a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: GA

Complaint narrative:
My identity was stolen and continues to be used from time to time. My credit score was XXXX inXX/XX/XXXXand had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXX have had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.

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 2019-03-06 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management this past weekend Around XXXX to XXXX contacted a third party about Me allegedly owing money to XXXX XXXX. 
The third party they contacted was never listed on the credit card or application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America called us in mid XX/XX/2019 to inform us that our account was " past due '' ; however, we have NOT received any Statement or documents re our Auto loan so how can we pay? amount to pay? BOA / XXXX XXXX said he had re-sent the Statement several times. After NOT receiving said Statement, we called BOA to follow up and talked to a XXXX XXXX ( BOA, Florida ) and learned from her that our address on file was incorrect! We are in XXXX XXXX, Nevada XXXX while the address they had was " XXXX XXXX, CALIFORNIA XXXX ''. So how will BOA Statement ever reach us??? We have informed BOA to correct our address on file and re-send this Statement via Registered Mail or XXXX or other Courier so there will be proof of our receipt. But BOA says 'not possible to do this '. We have also asked BOA to take a photo of Statement and email to us or to send to our phone ... again, 'not possible to do this '. To date, we have NOT received the said Statement. We request CFPB to require BOA to send us a WRITTEN Statement of details of our Auto loan ie. how much is monthly payment, Due Date etc. before we give them our Bank Account and Routing No. to make the payments.

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 monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently. 
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: U.S. BANCORP
State: NV

Complaint narrative:
I have a loan with XXXX XXXX and US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  XXXX XXXX and US BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: FL

Complaint narrative:
in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX  does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: GA

Complaint narrative:
Ive provided Equifax with all of the information requested in XX/XX/XXXXand XX/XX/XXXX and they investigated the information. I provided the identity theft documentation and the information was investigated and deleted from my credit report after reviewing the information. According to Fair Credit Act, the credit bureau is supposed to protect consumers from the information reappearing on their reports. I provided them with a copy of my credit investigation from their company, showing the information was deleted and they would not immediately take this information off of my credit report. I also had a credit report sent to me on XX/XX/2019 and this information was not on the credit report after filing a complaint about the removal of inquires for credit in which i did not apply. I am requesting that they remove this previously investigated information from my report : 1. Bankruptcy-Reference XXXX-deleted in previous investigation 2. Bankruptcy-Reference XXXX-deleted in previous investigation 3. XXXX XXXX-Not my account I am also requesting the removal of the following accounts that do not belong to me immediately. These accounts are 2-3 years old and have never appeared on any of my credit reports, thus are not my account and belong to someone with a similar name and different social security number. 

1. XXXX  XXXX XXXX-Not my account-mistaken identity 2. XXXX XXXX $ XXXX-Not my account-mistaken identity 3. XXXX XXXX- $ XXXX-Not my account-mistaken identity 4. XXXX XXXX- $ XXXX-Not my account-mistaken identity 5. XXXX XXXX-not my account-mistaken identity 6.XXXX XXXX-not my account-mistaken identity I request the immediate removal of these accounts off my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX  wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a freelancer and I created a PayPal account so I could receive direct deposits from XXXX. I also have sub-contractors that I used to pay directly through PayPal using those funds I have earned from XXXX. This has worked for a few weeks, until PayPal asked me for " verification ''. I had uploaded the necessary documents, ID 's, proof of address, and explanations of transactions. Shortly after PayPal permanently disabled my account, and told me that I am unable to withdraw my finds for 180 days. 

Holding my direct deposit funds for 180 days is theft. I have bills that need to be paid now and I RELY on this income. PayPal 's reasoning is that " we have to hold these funds in case they are disputed ''. This is absolute nonsense because these funds are DEPOSITS I HAVE EARNED BY LEGALLY WORKING. I understand if I was selling products or other goods, but that is not the case. There is a 0 % chance that XXXX will dispute the payments they have made to me. Since they have released my payments, it's because I have completed my job satisfactory and deserved to be paid out. Period. XXXX is my EMPLOYER, once I get paid they CAN'T ask for it back. 

PayPal has not provided a reason for why my account was disabled, except that it is permanent and will not be reconsidered. It is not my fault someone did their job wrong at PayPal and mistakenly flagged my account. I should not be the one to suffer the consequences because I have provided more than adequate information to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
We are doing a short sale since XX/XX/2018 with PHH Mortgage as the mortgage lender. This is an FHA loan and has a HUD partial claim. Now, they denied the short sale because the the homeowner has a Federal Tax Lien. We told him that once we can get the approval letter of the short sale, we can process a discharge of the lien from the property through IRS. 
PHH Mortgage said that according to FHA they will not approve the short sale unless the tax lien is paid in full so the title will be cleared. We told them this is not how it works. Based on FHA loans that we handled before, they just approve the short sale even with the tax lien. I called HUD ad they confirmed that the tax lien should be settled. We were surprised because this is the first time that we heard this matter. The homeowner has financial hardship so she can't pay this lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: IL

Complaint narrative:
In XX/XX/XXXX someone stole my identity and got XXXX   cable in my name and XXXX cable ran hard inquiry 's on my Equifax credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now XXXX has removed the bad account off my report but XXXX said that Equifax has to remove the hard inquiry 's themselves as well as the bad address that was used XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax is refusing to do so claiming they can't find my file but Equifax just updated my file on XXXX  XXXX XXXX on XX/XX/XXXX Also XXXX XXXX XXXX  inquiry on XX/XX/XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

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 2019-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

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