vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received a credit alert from XXXX stating that there were changes on my credit file. Upon logging in, I noticed a 47 point drop in my credit score that resulted from Midwest Recovery Systems claiming that I owe {$510.00} from 2012 on an account with XXXX XXXX. I have never done any business with this company so I decided to look further into this Midwest Recovery Systems reputation to find out that Im not the only one targeted by them. This company searches the records of people with good credit and puts accounts on their credit file ; hoping that theyll pay. I am now in the process of disputing this bogus information and will seek counsel if this isnt fixed. These people are real criminals and should be treated as such!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXTRANSUNION RE : XXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXEQUIFAX/XXXX RE :  XXXXXXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 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: TX

Complaint narrative:
This is about a seven year old medical bill that Equifax refuses to remove and keeps letting the collection company report it. XXXX XXXX XXXX is the collection company. XXXX XXXX XXXX is the original debtor. Amount is {$620.00} First delinquency date is XX/XX/XXXX. It is still listed on my credit report and the last update was on XX/XX/XXXX. I have asked that it be removed as stated by federal law on consumer debt after seven years but Equifax refuses to do so and just keeps on letting it be updated every month.Fair and correct reporting is what they say but I do not ever see it when it comes to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: KY

Complaint narrative:
I have several accounts with US bank. One of those accounts is a premier account. I use auto draft on all of my accounts. In XXXX when I set up the auto payment option on this account, for some reason it did not draft my account. I did not realize this until I received a letter from the bank. I have never been late on a bill ; my records with the bank and credit union will verify this. I immediately contacted the bank, brought my account current, and explained what had happened. After investigating my account, the bank manager saw where I had signed up for auto draft, and reversed my {$22.00} late fee. The manager also informed me to contact their consumer credit department via letter to explain what happened so that I could have the late removed from my credit report. I contacted them as instructed, but they chose not to remove the late. As a result, they sent me a letter indicating that my credit card limit would be reduced, and my interest rate increased. Also, my credit report dropped 45 points. Again, I have never been late with any kind of payment before, and this late was due to an auto draft error on their part.

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 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT XXXX XXXX format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX  XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. 
. {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. 

On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. 
On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 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: GA

Complaint narrative:
Equifax has alot of credit inquiries that I have not authorised. 

XXXX XXXX /misc reporting agencies on XX/XX/XXXX XXXX XXXX  XXXX XXXX national credit card cos on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, Ca.XXXX on XX/XX/XXXX XXXX XXXX/ misc.reptg agencies on XX/XX/XXXX XXXX XXXX, oh. XXXX on XX/XX/XXXX XXXX/ XXXX  , Ca. XXXX on XX/XX/XXXX Ive tried numerouse times to file a dispute but equifax wont recognise my account. It does recognise my account if Im trying to see the status of a dispute. Ishould be allowed to access my own info when I provide all my personal info. I cant even log in to get my free credit report. XXXX XXXX is the only way I can see my equifax info. I did not authorise the inquiries so they should be immeidiatly removed from my credit report. The other credit reporting agencies do not show but 4 inquiries and equifax is inaccurate by stateing I have 11 inquiries. Im trying to get accurate info and a decent  score as I am a XXXX XXXX year old trying to get into a nice min. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
They denied both of my disputes but had the nerves to credit me for one unauthorized charge from Delta sonic in the amount of {$25.00} ... .and then emailed me to tell me they are going to look further into the investigation and it could take up to 45 days I also have to send them the declaration of fraud form within 10 days ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
This company would not remove my ACH authorization even though I contacted them a week in advance. They first removed my debit card saying " your debit card will not be charged '' but left my bank account information in place. I called back and was told " the manager has to send an email to her manager '' because they can't do it in the local store. I followed up with an email asking for confirmation it was completed and was ignored. I contacted the corporate office and also got the runaround and a couple different answers. I also requested my employer wage deduction be cancelled as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: LDF Holdings, LLC
State: OH

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to establish a " pay day '' cash advance loan with XXXX XXXX without his consent. A formal dispute of this loan with a police report and FTC affidavit was provided to Amplify XX/XX/2018. On XX/XX/2018 at XXXX XXXX EDT my client received an email notification from XXXX requesting payment be made on this fraudulent account. This communication of payment by XXXX is a violation of two federal consumer laws. XXXX is in violation of the FCRA and the FDCPA by continuing to attempt to collect payment on a known fraudulent debt after receiving all documents required under law to conduct a full investigation of known fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have recently obtained a copy of my credit bureau XXXX  credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The amount taken from my accout was XXXX dollars. I filed dispute on XX/XX/XXXX XX/XX/XXXX and another day cant remember exact datebbut k tried three times explain my situation to bank and they would give me my money

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 2018-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I traded my car the new company that was supposed to pay off the old loan did not pay accordingly so now it shows late payments on my credit reports which in fact are not my fault I asked for them to be removed multiple times from the company and Credit bureaus with no success also I wrote to the credit bureaus about removals of unauthorized inquiries without success these problems are hindering me from accomplishing my goals

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