vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
ERC took possession of the debt XX/XX/16 amount owed {$670.00} ... Original creditor was XXXX ... Account paid but still showing on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing this letter because I have tried numerous times to request a credit limit increase for both cards of the Capital One cards I own. I have a Kohl 's store card as well as a Capital One card. After having both cards for nearly 2 years, I have not had one credit line increase, on either, even with my income increasing. I do not believe proper investigation or consideration is being done when requesting online credit increases. I know this for a fact because I requested a credit line increase less than a week ago and today, XX/XX/2018, I received a letter stating that one of my Capital One accounts was recently 60 or more days past due. In this case, I have pulled my reports from XXXX, XXXX, and XXXX to show that this statement is false. I would like for this company to please take that time to reconsider my account and increases. 
All personal information has been blacked out due to privacy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN/XXXX/XXXX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX  today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. EXPERIAN/XXXX/XXXX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. EXPERIAN/XXXX/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.

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 2018-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I got a personal loan for {$1600.00}. On XX/XX/XXXX another for {$1200.00}.

On XX/XX/XXXX we refinanced and combined the 2 loans making it {$3000.00}. On XX/XX/XXXX the account was closed and I have not spoken with them since. Every other month including the most recent onXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX there are hard inquiries being done without permission. I have not spoken with this company since XX/XX/XXXX, yet they still make hard inquiries every other month or so.

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 2018-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.

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 2018-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX/TRANSUNION/XXXX  please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/TRANSUNION/XXXX  this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX   XXXX/TRANSUNION/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX/XXXX/EQUIFAX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/XXXX/EQUIFAX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. XXXX/XXXX/EQUIFAX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OnXX/XX/XXXX I called Wells Fargo to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with Wells Fargo. I told her my payment was due and that I was out of work for a month due to a XXXX XXXX XXXX.

XXXX XXXX   then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XX/XX/XXXXregular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXXfor the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance.

My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX  CA. In the month XX/XX/XXXXI received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married.

I have contacted Wells Fargo several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. Wells Fargo has proof of payment plan letter and payments made to them on time per the payment arrangement letter from wells Fargo. I have also contacted XXXX  and XXXX and downloaded proof of the payment arrangement from Wells Fargo and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time.

My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.

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 2018-05-08 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: TN

Complaint narrative:
To whom it may concern, Im a victim of Identify theft. The theft took place in XX/XX/2014 and Im still dealing with it 4 years later. Ive reached out to Equifax on several occasion and sent them all requested documents supporting the fact of this ID theft. To this date Equifax hasnt block theses accounts from reporting to my credit. When I contacted the creditors directly they state they have no record of me being in their system and there should be nothing reporting to Equifax in regard to me or an account with them. Equifax has provided me with several dispute confirmation that link to nothing being investigated or removed. Im just requesting Equifax follow the law and block this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I was calling interested XXXX  phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. 

XXXX  Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXXand XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and  XX/XX/XXXX. I did not authorize my credit to be ran on either of these  days by any of the companies being shown.

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 2018-05-08 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Today, XX/XX/18 a new inquiry appeared on my XXXX  report, XXXX  and not on XXXX  yet from LOWES/ XXXX XXXX, from XXXX  Florida . I already contacted XXXXXXXX XXXX and left a message and emailed them. This is the second time this has happened with that bank as they worked on another inquiry. This Lowes inquiry was made sometime today and XXXX XXXX alerted me about two hours ago. Synchrony XXXX XXXX, ext 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 2018-05-08 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX, Sallie Mae provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted Sallie Mae on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XX/XX/XXXX) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX credit summary. Please have this delinquency expeditiously removed from my XXXX, XXXX, and XXXX credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Company is attempting to charge a {$1100.00} tax fee on a vehicle used for personal use. The company mailed documents ( affidavit ) to the wrong address even after, i called and emailed them on numerous occasions requesting that they update the mailing and billing addresses. Now they have assessed this large fee to the account and state that it could take them up to 6 months to remove. I can not wait this long. They acknowledge receipt of the document and still refuse to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
Hello, A judgement was awarded to Stillman Law Offices for an old debt from XXXX XXXX. This Judgement was awarded in early XXXX. Since then I hadn't received any information concerning this debt, their desire to collect on it or notification of any action. In XXXX of XXXX, I received a letter from my employer notifying me of a wage garnishment from Stillman Law. There was no information about a file number, account number or any type of reference. 

I emailed the person listed on the garnishment paperwork and got no response. I looked up the original judgment case on file and emailed everyone associated with the case - no response. I called the number ( XXXX ) XXXX on XX/XX/XXXX at XXXX. Since I didn't have an account number / file number, I was transferred around to people who were " not an attorney '' finally landing with someone. I asked that person about this debt and requested information on the firm 's correspondence. She said that they hadn't sent me a letter since XX/XX/XXXX but that they weren't going to give me any other information " because they weren't legally required to '' - which was the response from her supervisor. Let me be clear, this woman was trying to be helpful, but it seems that company policy was restricting her from doing so. 

Finally, I asked for a " Debt Validation Letter '' in the hopes that this would provide me with some sort of documentation - and because I knew I was entitled to one under the FDCPA. She agreed to have it sent out but would not share any more information. As of the date of this complaint, I have yet to get a copy of that letter. 

I was under the impression that this debt was charged off and since I never heard anything after the judgement court date, I didn't have reason to think differently. So far this firm has engaged in dodgy practices that make me believe that they are hiding something. Unfortunately, I don't have the resources to hire a lawyer and feel I shouldn't be victimized solely on that basis. 

Note : There will be no attachments to this complaint because I have no documentation or communication from Stillman Law Offices to submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: DE

Complaint narrative:
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: DE

Complaint narrative:
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.

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 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2018. I wired money XXXX to a bank in XXXX.XXXX XXXX XXXX XXXX. For a house I was purchasing. Come to find out the realtor email was hacked. Causing me to wire money to bank in XXXX. I called Chase bank to report it was a scam. They gave me a investigation case # XXXX. Told me they have to contact the bank in XXXX to get my money back. No good results yet. I have followed up many times. Still no action taken. I want to reclaim my XXXX that was stolen from me. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was denied an apartment with XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from XXXX XXXX.credit Bureau that the information pulled from was TransUnion. On XX/XX/XXXX I  placed a suppression and freeze on all XXXX XXXX files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.

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