vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: IL

Complaint narrative:
CRA is in direct violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with Equifax, XXXX, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo loan " specialist '' is asking me to submit an IRS form that was never required when my tax returns were filed. He went so far as to download the forms from the IRS website and instructed me that I have to fill them out or he would not be able to process the application any further. I explained multiple times that he was mistaken and these forms are not part of my return, I even supplied the correct form but he stated it was insufficient. I had provided my entire returns for two years in addition to form XXXX allowing Wells Fargo to request my returns directly from the IRS.

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 2019-03-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my XXXX and XXXX  credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
REF CFPB XXXX. Both XXXX  XXXX  and Fifth-Third Bank " the company '' response in the above complaint/case failed to answer and resolve the original complaint/question regarding XXXX XXXX  and/or the company having jurisdiction and/or authority in withholding insurance proceeds received in regards to a recent damage claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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:
XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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:
XXXX  through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's  account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX XXXX XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, 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 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
After going back and forth with this collection agency, informing them that I do not have a child, and more - Ive finally just went to the police. I am tired of going back and forth. This is not my account, please remove this from my credit report and cease all collection attempts ASAP. 

Attached is my official FTC Identity Theft affidavit ( which serves as a legal identity theft Report - as its given directly to law enforcement that I indeed DID give you prior to ) In addition, attached is a Locally filed Police Report. 
POLICE REPORT CASE # 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 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, XXXX, and Transunion since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from 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 explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, Experian, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from 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 explanation
Consumer complaint received 2019-03-27 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: Student Loan Direct
State: MO

Complaint narrative:
The company is student loan XXXX. I spoke with a XXXX and signed paperwork to do a loan for student loan forgiveness program. With 5 monthly payments of {$240.00}. I believe I have been scammed. They have my debit card number what do I do? Please contact me XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On aroundXX/XX/2019 I spoked with a Bank of America Rep about a {$12.00} maintenance fee or other bank fees. 
He stated that the bank fees and overdraft was going to be credited back to my account as long my new direct deposit from XXXX XXXX XXXX XXXX XXXX XXXX income of {$4300.00} is deposited on XX/XX/2019 at XXXX XXXX. 

Bank of America wasn't going to charge any fees. OnXX/XX/2019 I checked my checking account and I have derogatory fees of {$12.00} and overdraft in which my account is negative XXXX cents.because of the {$12.00} fee and overdrawn fees. 
OnXX/XX/2019at around XXXX XXXX XXXX time I spoke to Bank Of America Rep and she transfer to her Supervisor Mr.XXXX on a recorded log conversation, he was a Supervisor from Bank of America in XXXX XXXX and the time in XXXX was XXXX as he stated. 
Mr.XXXX  couldn't resolve amicably the issues of Bank Fees. 
I am respectfully XXXX XXXX and 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 monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took loans out through Sallie Mae in the early XXXX. The loans totaled {$33000.00}. At the time I was done with school, the great recession had hit. I was unable to find employment for an extended period of time and the loans were put into forbearance. Beginning in XXXX, repayment began on the loans. I was unable to pay the amount and had to renegotiate payment plans on several occasions. Fast forward to the last few years when I became more financially stable. I have been paying several hundred dollars each month, which has gone only to interest. The interest rate has been hiked up over and over, and is now sitting at 12 % on the loans. I have created spreadsheets detailing all payments, including principal and interest. I have paid more than 3x the original balance on the loan, and still owe the company {$50000.00}. 

I have called so many times to complain and they say this is what you agreed to on the promissory note, we can not reduce interest rates. I am so discouraged and I do not understand how this is legal. I will end up paying more than 7x what was borrowed if I can ever repay the loans. I do not know who to turn to or what to do. I can't repair my credit because of these loans. I can not save money because of these loans. I can not start a family because of these loans. I can not buy a home because of these loans. 

There must be something that can be done. Borrowers have been failed at every turn. If these companies can legally do this, I have to ask the people in charge of them, how can they sleep at night knowing that they are ruining people 's lives? People who made decisions to do better and often at a age where they did not understand the implications of these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CA

Complaint narrative:
Based on my attorney advice, I request Equifax to take my complaint serious and answer to my attached letter ( also mailed to Equifax address ) clearly. Unless Equifax removes the account ( XXXX ) from my account, by the California law I request a full description of the procedure used to determine the accuracy and completeness of the information including the business name and address of the furnisher of information contacted. 
-- -- - Based on my investigation, the collector ( XXXX XXXX XXXX or XXXX ) has improperly aged the real date of first delinquency ( which is on XX/XX/2018 ) to the service date ( on XX/XX/2018 ), and then reported to Equifax without any notice to me. My insurance claim shows that the medical center ( the creditor ) submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then the creditor billed me on XX/XX/2018. 

If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when BILLED. By the law, the consumer has 180-DAYS from the day of first delinquency ( DOFD ) to pay the medical bill before the agency is allowed to report it to the credit bureaus, but XXXX reported it on XX/XX/2018. ( 1 ) XXXX did not send any collection notice to me before reporting. ( 2 ) XXXX altered the date of first delinquency. ( 3 ) XXXX reported the account before 180-days period, and Equifax did it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
We ware renting an apartment. XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX They retain a collection company Kimball , Tirey & ST. John LLP Located at XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX. XXXX. They are demanding payment of {$2700.00} We full field our obligation for the 12 months contract and they claiming that we never give them 30 day notice i wrote on my last cashiers check the 30 day notice also i inform to one of their staffers that we ware moving out. 
The reason why we ware moving out the apartment complex was to old and over price for what their promised. During our residence in XXXX XXXX XXXX we experience multiple sewage back ups from our apartment and the one up stairs, rain gutters ware backed up so water spills at our front door, No A/C and I file multiple times that we have roaches on our kitchen no much was done about it. 
I spoke to someone at the law firm explain our situation and they said they would get back to us but they never did all we keep getting harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Late one night about six years ago, we rushed our XXXX cat to XXXX XXXX XXXX XXXX in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a XXXX application under our noses, which we signed under duress. 

XXXX, also known as XXXX XXXX, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. XXXX  has been investigated by the New York State Attorney General and in XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX   XXXX but insisted he could " catch it '' by putting the cat under general XXXX and removing part of his XXXX. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XXXX I was having difficulty making the payments and called XXXX to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to Midland Funding, LLC a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " XXXX XXXX'. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my Transunion and XXXX credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by 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 2019-03-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2019 Equifax received my certified letter requesting the method used to verify and validate accounts and collections on my credit report. Equifax had 15 days to get this information to me or remove the unverified and unvalidated collections from my report. It is now day 17 and I have not received anything from Equifax and the unverified creditors and unvalidated collections are still reporting on my credit report.

Company response to consumer: Closed with explanation