vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH 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 non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I just got a letter from FBCS , Inc. They are stating that I owe an amount of {$460.00}. The truth is I never had been anesthetized. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within they will assume the debt is mine. I hope you can help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on 3 different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 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: PNC Bank N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2019-05-18 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: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I attempted to report fraudulent charges on my checking account. I went into one of TCF 's branches to report 4 fraudulent charges that had been made by the same company. I declined receiving a new debit card as I intended to close the account after reporting the fraudulent charges. I was informed by the manager that if I chose to close the account, it would void any fraud report and I would not be able to recuperate lost money.

Upon hearing this, I asked to speak with the branch manager. She repeated this same information. I asked for a corporate contact number. The branch manager refused to give me any contact  information for anyone beyond that internal branch. 

I have since called into TCF 's customer service line. I have repeatedly been told I would receive a callback within 24 hours of the call. I have yet to receive a call back 10 days later. I have repeatedly asked their customer service contact people for a corporate contact number. As of this filing, I have made this request verbally 176 times. I have been denied all 176 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on XXXX different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've requested investigation and demanded verification that meets the requirements of FCRA 609 ( a ) 1a for several items within the past 30 days thats Experian, XXXX, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.

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 2019-05-18 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC
State: CA

Complaint narrative:
I sent money last XX/XX/2019 and not yet recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: CORELOGIC INC
State: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXXXXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2019-05-18 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: FACTUAL DATA CORP.
State: OH

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I missed 3 payments in a 6 month period due mainly to a medical hardship that required a XXXX. I had called Wells Fargo Dealer services who owns my loan to catch it up. At that time they were in process of repossessing my vehicle and did so at my place of work jeopardizing my job. I called the dealership to stop the repossession and Wells Fargo flatly refused to stop the tow truck driver. My 3 missed payments total {$1800.00}. Wells Fargo dealer services insisted I pay them {$3100.00} and do so within 9 days to get my car back. I told them I am willing and able to pay {$1800.00} plus a late payment of {$250.00}. They rudely refused my offer of {$2100.00} total and used strong-arm tactics to attempt to coerce me into paying the {$3100.00}. Inquiring what the additional {$1000.00} was for they told me {$750.00} was for the towing and impound. I called the tow company who is also the impound yard. They said their charge was only {$150.00}! So what gives Wells Fargo the right to coerce me and gouge me {$600.00} additional?! If theyd just accepted my catchup payments plus late fees to release my car and reinstate my loan, this problem would be resolved. And they didnt need to repossess my car at my work. It jeopardizes my job as a 25 year XXXX XXXX XXXX ( a difficult field to get a job in these days ) and my ability to earn for my family. If theyd accepted my better than good offer, this wouldnt have needed to happen and both me and Wells Fargo wouldve been good.

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 2019-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We filed for Chapter XXXX Bankruptcy in XX/XX/XXXX, after two years of submitting payments timely to the trustee, we requested approval from the bankruptcy trustee to purchase our home. The trustee approves the loan so long as it meant several requirements, such as the loan could not exceed a certain amount, interest rate could not exceed more than a certain percentage and our monthly payment with taxes, etc. escrowed, couldnt exceed a certain amount. We purchased our home while still in active bankruptcy and XXXX XXXX  closed our loan. Within no more than two months, LoanCare took over the servicing of our loan. Within no more than twelve months we received a document saying that our payment had increased and the amount was increased higher than what was approved by the bankruptcy court. This caused us to get behind and LoanCare stopped posting our payments to our account when we became 60 days past due. I contacted them when we became delinquent and I was told to submit a loss mitigation application. We submitted five loss mitigation applications starting in XXXX thru today. LoanCare continuously failed to reply timely and only after we would spend countless hours on the phone and trying to communicate in any way possible would we ever receive a response. The last application was submitted in XXXX. We never received a reply until we contacted LoanCare 33 days after we submitted the application to find out that our loan was in process of being sent to foreclosure. We then spent the next several weeks trying to obtain information on why the application had been denied, which we were given a reason that was not accurate or true or correct. Once we found this out, we sent an appeal letter for the denial and have yet to hear anything or be able to contact someone that can speak with us regarding our account. 

In addition to this, we have been requesting an itemization of our account and our first request for this information was a year and a half ago. We received it for the first time this week. Because we had been unable to obtain this information, we sent a formal dispute and requested documentation to show the validity of the debt - to which we have yet to receive a response on. 

We were informed by the foreclosure attorney that is representing LoanCare that the itemization had been sent previously, however, was unable to locate any tracking or proof that this actually occurred. 

Finally, I am concerned that an attorney that represents a party other than the owner of the debt can have authority to wrongfully foreclose my home.

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 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've requested investigation and demanded verification that meets the requirements of FCRA 609  ( a ) 1a for several items within the past 30 days thats XXXX, Transunion, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.

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 2019-05-18 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: OH

Complaint narrative:
i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.

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 2019-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
I have ask XXXX XXXX on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: Exeter Finance, LLC.

Complaint narrative:
Made several attempts to resolve with company. Company failed to make contact with original party. Made contact with original Party and no return information within the 30 day response rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
on XX/XX/2019 sent letter to Credit Acceptance requesting information regarding the sale of vehicle after repossession. Company failed to comply with FCRA 1977 rule regarding reporting and sale.

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