vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I received treat the local hospital emergency room XX/XX/2017. The visit was included in my bankruptcy which was discharged XX/XX/2018. I informed the agency the hospital was included in the bankruptcy and sent a copy of this discharge and list of creditors XX/XX/2018. They never followed up, but to continued to send collections letters. Requested that they validate the account and was sent list of treatment received instead. Now my account has been sold to Wakefield and Associates.

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 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Trustmark Bank is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called XXXX and XXXX in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. Trustmark currently has a lawsuit against them relates to outrageous overdraft fees!

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get my credit report from Equifax but have been unsuccessful. Through the online method, the questions asked that are used for " security purposes '' were all asked about accounts which I have never had and used to deny my request for my report. I have also called to have it sent and was told by recorded message that I should receive it within 15 days, that was over a month ago. This company has been used to deny me getting services without having to place deposits and the information forwarded has been false and I can not verify what is being reported without seeing that information. Can I sue these people?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I saw one hard inquiry rencently from Cap One from XX/XX/2018. I didn't apply any capital one credit card at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX v EQUIFAX INFORMATION SERVICES LLC Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: UT

Complaint narrative:
I've applied for and received a personal loan in a small amount. I was employed at the time and and was making payments. However I unexpectedly lost my job and currently unable to make payments. I have let multiple staff know and informed them I am working with a debt consolidator to help me pay off my debt. This company refuses to take the information and are now harassing me, calling repeatedly, late hours of the night, calling EVERYDAY! they call from local numbers and unavailable numbers. I have already made a complaint to the main call center, but nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to Equifax. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as Equifax is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint is concerning wrong address, Never own XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX LAST REPORTED XX/XX/2018 According to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as XXXX is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards 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 2018-12-18 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
Over the past few years, Ocwen began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. Ocwen corrected the issue on 2 or 3 occasions with oversight from Texas XXXX. 

I was denied credit today as XXXX is reporting an Ocwem foreclosure and negative in city from XXXX. I have never heard of XXXX. 


I need this matter corrected immediately. 

Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I met a woman by the name of XXXX XXXX. She told me she lived in Texas. She made an agreement with me that If I purchased for her XXXX gift cards for her disabled beneficiaries, she would pay off the balance of the XXXX cards as well as my credit card debt I had with discover. She made three payments on my discover account using a XXXX bank account and a XXXX bank account. All three payments were ACCEPTED AND POSTED to my account therefore leaving me under the impression that this was a legitimate agreement and not any sort of scam or fraudulent activity. I also contacted discover and spoke with a representative and he informed me that the first payment she made of XXXX was accepted. I come to find I wake up one morning to see all three payments she made on my account were returned as well as returned check charges because the accounts were closed in which she used to make these payments with. I informed XXXX XXXX of the situation and she agreed she would fly down to XXXX and meet with me to provide me with the money in cash to compensate for the situation and the payments not being accepted by her banks. On the day of, she blocked me and I have no way of communicating with her. Her phone number is : XXXX XXXX XXXX XXXX. I also have photos of her that she provided me with that are attached. Also, I contacted XXXX support and they informed me that these XXXX cards purchases are fraudulent and I should not be held responsible because they were used for fraudulent purposes. However, discover is not cooperating.The black woman in the photos is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OR

Complaint narrative:
My XXXX XXXX card has been stolen over and over financial abuse by my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello To Whom It May Concern, On XX/XX/2018, I was at the Chase ATM in XXXX, IL. I made a deposit of {$410.00} into the ATM as the deposit was processing a spinning circle appeared on the screen. I called the customer service representative to be advised of the next steps that needed to be taken. They ask me what was the last digits on the ATM card I replied to the representative and told them I don't know because the card was in the machine and I will need to remove the card. I remove the card the ATM rebooted and the funds did not appear in my account. I re-entered my card to check the balance and funds wasn't on there. The Representative then requested me to give the increments of the cash that was placed in the ATM 2- {$100.00}, 1- {$50.00}, 7- {$20.00}, 1- {$10.00}, and 10- {$1.00} bills. I asked if I needed to make a police report and they told me no. I went to the branch and also went back and forward with the claims department for 14 days to find out today on XX/XX/18 that I will need a police report to have them review the cameras at the ATM because of the system isn't showing any missing deposits and the claim was closed. I went to the police station to file a report the officer stated it's not a crime no need to file a report. I'm all out of answers and keep hitting dead ends. This is my last result hopefully this would make them look at the tape from the ATM. I filed a previous report here and seen that it had the wrong date. So this is my second complaint about the same issues that occurred on XX/XX/18 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have a loan with SANTANDER CONSUMER USA. 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 and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted Equifax on Friday XX/XX/18. I explained to a woman there that XXXX Credit Union showed that Equifax has not properly reported payment history on my account since XX/XX/2018. Equifax is to report monthly. Founders show that I have successfully made all my vehicle payments on time. The problem now is that I was applying for credit at XXXX Credit Union during the week of XX/XX/2018. My credit check showed that Equifax has not reported my credit history for XXXX since XX/XX/2018. There is also no updated reporting for XXXX from Equifax. I would like this issue resolved asap. I also called Equifax on Monday XX/XX/18 and was told by worker, XXXX, she did not see a reporting issue. I informed her that there was a problem, if not to please send XXXX a report saying otherwise. I have restored my credit to decent status over the years. I do not want anyone to anything to adversely affect my credit. I need this matter resolved asap. XXXX representative can be contacted at XXXX. He was the one that was checking my credit with my permission. I hope those involved will seriously handle my credit as if it were theirs. Please correct this. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB on XX/XX/XXXX Equifax reported to you that account XXXX was removed from my credit report I never received any document stating that. On XX/XX/XXXX in there changes to credit report it stated it was removed BUT NEVER WAS REMOVED NOT ONE TIME on XXXX again I filed a case still was not removed on XX/XX/XXXX after I phoned them about this the changed the account to charge off,? what changed that they Equifax can play games like this with out any violations XXXX to you CFPB, FTC, OCC, myself this has gone on for over 9 months now with me stating they are playing games and stalling { ling to you on response } remove this account for false reporting and please investigate the way they are doing there reporting. Equifax please explain how you can change you investigation from one thing to something else, are phone conversation you stated I had to wait the 30 days XX/XX/XXXX but you changed report on XX/XX/XXXX you stated you recorded are conversation which can be used against you. Remove this account also you were required to send a 5 day resertion letter never happened. Stall and games supporting Documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have filed out Identity Theft report, called and disputed information, and Equifax will not remove the fradulant information from my file. The are the only one that it now shows up on, and I can only access my report through either a 3rd party site or another CRA because my file with them is so inaccurate that they even had the wrong date of birth and social. I requested my report initially back in XX/XX/XXXX and still have yet to receive one from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was settled on XX/XX/2018 along with 2 other outstanding accounts with this firm. However this one remains as an active collection. Repeated attempts to resolve the issue have failed. I'm requesting relief/ assistance from the CFPB in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery filed suit # XXXX in XXXX County XXXX for debt not owed. Also according to their claims the aleged debt is from XX/XX/2011 which puts it beyond the XXXX State Statute of Limitations. Also XXXX does not live in XXXX county, but has been a resident of XXXX   County since XX/XX/2016. XXXX disputed the debt, but Portfilio Recovery has not provided any details of the debt.

Company response to consumer: Closed with non-monetary relief