vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good Afternoon, I've disputed incorrect information on my Credit report from Experian, regarding the repossession of a vehicle by XXXX XXXX XXXX. The Vehicle has been paid in full and I have the Title. I also noticed they listed that I have a Real Estate Mortgage as well as 3 installment loans. This information is incorrect. I have 1 Home Improvement loan and one Vehicle loan from XXXX XXXX XXXX XXXX. Please help me to have these incorrect items removed.

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 2019-08-05 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: FL

Complaint narrative:
Experian reporting an inquiry that does not belong to me I have a fraud alert on my account and was not contacted to confirm any such inquiry nor have i appllied for any new credit. 

XXXX XXXX XX/XX/2019 Also theres 2 addresses that do not belong to me XXXX XXXX XXXX  XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX and name 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 non-monetary relief
Consumer complaint received 2019-08-05 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: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
The company won a garnishment against me in a judgment on XXXX XXXX 2019. 
The garnishment did not commence until XX/XX/2019. 
The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.

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 2019-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There is a foreclosure sale on the calendar for tomorrow, as I was just notified that the sale is still on by the Rep at Well Fargo. 

Here are the facts : 1 ) Listed my house For Sale on XX/XX/2019 with XXXX XXXX ; 2 ) I submitted a Mortgage Assistance Application for a short sale on XX/XX/2019 by the Realtor, XXXX XXXX ; 3 ) In early XXXX, I was told that a foreclosure sale date had just been obtained by counsel but was advised that it would be canceled due to Dual Tracking as we were actively working with Loss Mitigation at Wells Fargo for the short sale ; 4 ) Apparently, Wells Fargo failed to acknowledge the Dual Tracking situation and kept proceeding with the foreclosure sale ; 5 )  XXXX XXXX was negotiating with XXXX XXXX from Wells Fargo about the short sale and had requested for a counter offer 2 weeks ago and while I was reviewing the correspondence sent by Wells Fargo for a counter-offer, I received a USPS forwarded letter that was originally sent to my former DC apartment that the foreclosure sale was still on the calendar for XX/XX/2019 ; 6 ) At this point, I contacted both Wells Fargo 's Loss Mit and Foreclosure Attorney and was advised that the sale was active - even though they confirmed all the items above. 

I was under the impression that Wells Fargo would comply with these rules and regulations set forth by the CFPB and that consumers would be protected by banks & lenders pushing to improperly foreclosure when these simple steps have been followed. This sale needs to be canceled for Dual Tracking. 

Please contact me for additional questions or comments.

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX early in the morning, my cell phone and debit card were stolen in XXXX Indiana. Between XXXX my debit card and iphone were used for over {$9000.00} in fraudulent charges. I realized on XX/XX/XXXX that my phone, online account and debit card had been compromised and immediately reported it to Chase. They opened a series of claims but only credited {$430.00} of the claims. Several weeks later all of the claims came back " closed '' saying " We found that the transaction was processed correctly or was authorized ''. After another attempt at filing claims through Chase 's Customer Claims Department I went to my branch manager who opened claim number XXXX on XX/XX/XXXX. {$9200.00} was credited back to my account. On XX/XX/XXXX I received a letter saying " We found that the transaction was processed correctly or was authorized '' and on XX/XX/XXXX the amount of XXXX was removed from my account. I reached out to the Customer Claims department and they said they would not investigate any further and I have not heard back from my branch manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I had a {$21000.00} loan for college in XX/XX/1996. I had paid on and off since then and the loan defaulted. I got it out of default and have made IBR payments on time for the past year and 1/2, only to have Navient say the total now due is {$93000.00}. That is not right after all these years. I feel scammed and taken advantage of. I do not believe that a {$21000.00} loan has exploded into {$93000.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: SECURITY FINANCE CORP
State: TN

Complaint narrative:
In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and Security Finance   was listed. Security Finance was contacted by XXXX XXXX XXXX and made aware of the plan.Security Finance was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from Security Finance home office concerning the DMP. The office manager stated that the checks eere with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that Security Finance had marked our payments 30 60 and 90 days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked 30 days late under the law a payment has to be an actual 30-day late, Security Finance was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never 30 days late and they kept coming up with excuses, it took me a long hard time to get even a letter from Security Finance to say that the account was paid and closed. I called and tried to get this corrected Security Finance refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that Security Finance knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court

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 2019-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: VA

Complaint narrative:
Today XX/XX/2019 at approximately XXXX XXXX a creditor, AA Recovery Solutions on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms ( full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt claimed by Jefferson Capital System be physically verified and that I receive a copy of any and all signed consumer I have on numerous occasions ask for verification on this account that is showing on my credit report for contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$650.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX notified me that a Major Derogatory was filed on my credit report for a collection in the amount of {$680.00}. The reported name of the creditor is : Radius Global Solution, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; phone - XXXX. 

I do not know what this company is, nor have any contact or correspondence from them regarding a debt. Thus, I can not dispute the " debt '' with them since I have not received any billing or correspondence from them. I live in Texas and do not do business with any entity in Minnesota. 

I have not contacted the reporting company as i would have to confirm the information they have ; and since my social security number was likely stolen, I will not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX sent me a payment of EUR XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX XXXX  was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX XXXX that they are unable to recover money from this account. My personal calls to Capital One Bank always ended up with advice to contact the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I was scammed on the internet, the scam began in mid XXXX involving a lease agreement. the dates of the transactions are XXXX XXXX I used Capitol One to transfer money through XXXX ( I have the email address I sent the money through ) I transferred {$2100.00} to a person and soon after I realized I was being scammed. I called my bank immediately to try and stop the charge but it was too late so put in a claim, to which they denied because they claimed they " did their job '' by transferring the funds through XXXX. I filed a Police Report with the XXXX police department today, I can provide a report number if needed. I called my bank back to file a new claim today with the police report number, but the claims department told me they couldn't help me, no one in the department could because Capitol One and XXXX claim no responsibility for scams or having their customers backs. They offered me no other recourse except with the police. I asked to speak with a supervisor and they stated they would tell me the exact same thing. And XXXX would tell me a similar thing. I also put in a claim with the Federal Trade commission and received an email back with links to online shopping ( not helpful ) At this point this is my last ditch effort to get any or all of my money back I lost during this scam. So at this point my bank told me they can't help me, XXXX can't help me, and the other people that maybe can help is the police department. As a consumer, banking customer, credit card holder etc I am hoping that I can feel protected in some way regards to having been scammed and violated in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Although it has been addressed w/ the major credit bureaus on numerous occasions, American Express ( Amex ) continues to bias my credit report by refusing to add back the payment history it removed in retaliation for the complaints filed in XXXX and XXXX Quarter XXXX regarding disputed APR and add-on fees. 

These complaints include those filed w/ the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), the New York XXXX XXXX XXXX ( XXXX Complaint ID # XXXX ) and XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Complaint File # XXXX ). 

The attached XX/XX/XXXX and XX/XX/XXXX XXXX will clearly illustrate Amex 's retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UHG, LLC
State: VA

Complaint narrative:
Today XX/XX/2019 at approximately XXXX XXXX a creditor, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms XXXX full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AR

Complaint narrative:
After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX XXXX Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX XXXX ( Arkansas ) Circuit Court,  ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, Eight District in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX XXXX and the XXXX, XXXX XXXX alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.

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 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company won a garnishment against me in a judgment on XX/XX/2019.

The garnishment did not commence untilXX/XX/2019.

The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me hostage for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.

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