vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. Wells Fargo is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about XXXX. However, Wells Fargo asked XXXX XXXX for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the Wells Fargo/XXXX XXXX inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX  report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This collection agency never had a current address when they received this debt. They had a very old address and I never knew this existed until it was slapped on my credit report. I never had a chance to dispute this with the original creditor and with this agency when they received it. I have yet to get verification from this agency w/ proof that I owe this amount. Constant harassment with phone calls but no proof the debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 

2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 

3. The Navient website states that you can stop automatic payments, but you can not. 

4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: CAB Receivables, Inc.
State: MN

Complaint narrative:
I did not apply for a loan with XXXX. There is an error on my credit report showing that I tried to obtain a loan from a car dealership and it was denied. I also had to remove 3 addresses on my credit report. I want this error to be deleted from my credit report. My credit score was lowered and I believe the incorrect information on my credit report caused my score to be lowered. 

I believe all three credit bureaus have information that is false and I would like the inquires about my applying for a car loan with XXXX to be removed from my file. 

I am concerned that the inquiry to XXXX was listed on my report in error. I never applied for any loans and I do not understand why this is listed on my credit report. 

It looks like this inquiry was added to my credit report in XX/XX/2019. 
I did not make any applications for a car loan with any company.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: MD

Complaint narrative:
In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. XXXX XXXX is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about 630. However, XXXX XXXX asked Corelogic Credco for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the XXXX XXXX/Corelogic Credco inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 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: CO

Complaint narrative:
I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 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: CO

Complaint narrative:
I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: Credit Karma, LLC
State: PA

Complaint narrative:
I use Credit Karma to monitor credit activity on my accounts. Recently, I have received 2 unknown/unsolicited Hard Inquiries, one on XX/XX/XXXX ( XXXX, XXXX, CO ) and another on XX/XX/XXXX ( XXXX, XXXX, FL ). Please see attached for contact details of these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On discovery of a collection on my credit file, I wrote to LVNV to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal ( in which I offer to pay 100 % ) sent by certified mail on XX/XX/XXXX. I received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by LVNV is inappropriate, as it does not acknowledge my settlement proposal. I question whether or not my letter was even reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: MA

Complaint narrative:
First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXXExecutive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Experian credit file. This credit file still shows 4 fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX / # 2- XXXX XXXX XXXX XXXX XXXX ND XXXX / # 3- XXXX XXXX XXXX XXXX XXXX MA XXXX / # 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 2 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX AND # 2 XXXX ) and 2 fraudulent contact/phone number ( XXXX + XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Experian is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a report # XXXX from Experian stating : " In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below ''. The letter I sent to XXXX XXXX / Executive Office clearly states that I have attached a copy of a utility bill. Also, I attached a copy of my license, a police report, a notarized personal statement and 2 FTC identity theft reports on XXXX. 

Third, the resolution I am seeking is for the remaining fraudulent addresses, phone/contact numbers and accounts listed in the first paragraph above be immediately blocked. As well as the extended fraud alert be immediately removed. 

I have attached supporting documentation to this email which I will gladly use to file a case in XXXX Municipal Court and contact all local news channels should Experian refuse to block the fraudulent information above.

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 2019-02-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

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 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I never received a XX/XX/XXXX statement so when I got my XX/XX/XXXX statement i called to see what they would do about the fees. They claimed they could only refund the immediate interest fee ( {$2.00} ). I  immediately went on line and paid my bill through THEIR website on XX/XX/2019 ( Transaction # XXXX OR XXXX ). 
I found out a week or so later that the payment HAD NOT BEEN MADE! I called back - their claim was that I had not signed the check.???? How can that be ...? I used THEIR website and paid like I have done many times before? THEY THEN CHARGED ME A RETURNED CHECK FEE? When I found out I called the Representative back again and gave my banking info to the Representative and made another payment from a different bank at that time. 
Then after I had made the payment over the phone I was locked out of the online account I have for this card because of " Account status '' That's nuts, I had paid the account!!!!! 
This whole experience has been a cluster. 
PLEASE STAY AWAY FROM THIS COMPANY FOR YOUR OWN SANITY.

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 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/2019 The state of Pennsylvania deposited my state refund in the amount of XXXX..I had not touch this money..On XX/XX/2019. I was on my way to get blood work and I started to receive text alerts telling me someone was withdrawing money from my account in a different state.I instantly checked my purse and I had my debit card on me so I called Netspend and notified them.The lady I talked to lock the account and Informed me they stole {$910.00} she advised me to go get a new card so she can transfer the remaining XXXX to the new card which I did and because I had a XXXX block on the account she could not do it so she advised me to go to the ATM machine And with drawl the money which it would not let me do either because the account was locked and it was over the daily limit so she hung up on me.I called back and spoke to another lady who unlock the account and let me retrieve my money she also ordered me a new card and charged me {$25.00} and while she was on the phone she disputed all five transactions. I asked for the address where this was happening at and it was five hours away so I googled the address and it came back to a XXXX store which I called and the gentleman was very nice and said he would review the cameras and call me back .The gentleman called me back about 30 minutes later and said he reviewed the tapes within that hour and no one use that ATM in that store as I was still on the phone with Netspend I advise them what he said and they had no explanation how someone could withdraw my money without my card .. at first they told me the investigation would take 10 days and to submit documents online which I did now theyre telling me 45 days all I want is my money back So I can close this account and take my business elsewhere..I feel defeated because this company does not offer no help and I do not know where to turn..I have contacted the XXXX XXXX XXXX As well as the federal trade commission

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 2019-02-17 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: NC

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX inquired on my credit. 
I have tried to contact them to send me the file inquiry.to me. 
No response

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 2019-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

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 2019-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a bank account with Bank of America which was not closed for fraud it was closed because of a check that I received and deposited from my employer I gave copies of all the documentation to Bank of America regarding the check and where it came from they had no balance owed I owed nothingthey closed my account with a balance that they owed me and I see on my consumer report that they say I owe them money which is not correct several of my accounts got closed because of the wrong information that they have on my consumer report I want it fixed right away

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