vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been dealing with this issue with Equifax since XX/XX/2017. Equifax refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with Equifax. Equifax is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. Equifax uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX Account # : XXXX 2.  XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is a debt collector. They are calling me and family members stating they are a compliance officer with XXXX County and state they have legal action against me. 

This is the information they leave with family : ( XXXX ) XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Attached are scanned copies of the five Zero Coupon Certificates which my father bought years ago for my daughter 's college education. He died before he gave them to me. After Mom died, I found them in a box of Dad 's stuff. Neither Mom nor I knew that he had these. For the past three years I have been trying to cash them. But no one at Wells Fargo will honor them. According to several former employees of XXXX XXXX XXXX  ( which Wells Fargo bought out ) these are checks and records were not kept on their sale. I was told that there is no way anyone could have gotten the money because the original checks were required to cash these in. I realize that in the early XX/XX/XXXXXXXX XXXX someone at Wells Fargo might have known what these are. But now no one seems to remember Zero Coupon Certificates. The five Certificates total {$30000.00}. In XX/XX/XXXX my father purchased one Zero Coupon Certificate in the amount of {$5000.00}. in my name as custodian for my daughter. The funds were to mature on XX/XX/XXXX.In XX/XX/XXXX my father purchased four more Zero Coupon Certificates in my name as custodian. One coupon was to mature each year for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The plan was to provide college money of {$7500.00} per year. Grand total of {$30000.00}. My father died XXXX XX/XX/XXXX, without telling the family about these Zero Coupon Certificates.

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 — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage was put into a disaster forbearance plan in XX/XX/XXXX from Hurricane Irma. At the end of the six month forbearance ( XX/XX/XXXX ) i was offered and accepted a loan modification with trial payments that put the six months from the forbearance onto the end of the loan. On or about XX/XX/XXXX, my mortgage lender SLS, reported me 180 days delinquent. Those so called delinquent payments were added to the end of the loan and thus cant be delinquent. I have tried numerous times to explain with numerous letters and phone calls but to avail. I had four other mortgage lenders gave me the same disaster assistance with the payments added to the end of the loan, and none reported late ever. SLS is acting with a complete disregard for the consumer. Inflicting even more damage now than was caused already by the storm.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX performed our bi-monthly service for ant control. Within two days the inside of our home was overrun with ants. We telephoned XXXX XXXX XXXX twice asking for a technician to come out and respray under their warranty. We were given the run around and no one contacted us or came back out. I wrote to XXXX XXXX XXXX on XX/XX/XXXX notifying them we would not pay the bill because they didn't provide adequate service. 

In XX/XX/XXXX I received a letter from Systematic National Collections, a debt collection service. I followed the direction on their letter and notified them in writing within thirty days that I dispute the validity of the claim. They never responded to me. 
On XX/XX/XXXX I was notified by XXXX XXXX that a negative report had been posted. 
I telephoned Systematic National Collections today and the young man with whom I spoke would not listen to me and just repeated over and over again that I owe the bill and to just send a check. 

I will not pay for service that was not provided adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC
State: FL

Complaint narrative:
Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.

Company response to consumer: Untimely response
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 — Information belongs to someone else
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I have been dealing with this issue with XXXX  since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX  Account # : XXXX 2. STATE FARM BANK Account # : 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/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 2018-05-08 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: GA

Complaint narrative:
This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
This company is doing fradulent activities. They sign disclosures for borrowers on their own. They ask you for the login and password to acknowledge CD if you are unable to do it yourself online.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX through XXXX XXXX. The lease was financed through Chase Auto Finance. It was a 36 month lease but the dealer offered me an early lease termination deal and I ended up leasing a XXXX XXXX XXXX and again financed the lease through Chase Auto Finance. I returned the XXXX XXXX to the dealer on XX/XX/XXXX, made my last payment on XX/XX/XXXX in the amount of {$310.00} ( dealer advice to make this extra payment just in case ), Chase received the payoff from XXXX XXXX in the amount of XXXX on XX/XX/XXXX and sent me a balance of {$280.00} on XX/XX/XXXX. I called Chase to ask for an end of lease bill to see why I was charged {$28.00}. A CSR took my request and asked me to wait for a letter from Chase. On XX/XX/XXXX, I received a letter from Chase, but did not contain any itemization of the end of lease charges. Instead, the letter provided a number to call which I did. The person on the other end could not provide any information and transferred me to another department. The person I spoke to said they could not see any explanation on the final charge and suggested that I should call back after 60 days. This is the most ridiculous customer service I have ever received. For no explanation whatsoever, Chase just took {$28.00} from me, and I don't know how many people were in the same situation but did not bother to call to find out why. This is a very irresponsible and abusive lending practice and should be stopped before more customers are taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Financial Guardian, Inc.
State: CA

Complaint narrative:
Merchant FInancial Guardian account was added on my credit report in XX/XX/XXXX. I contacted them in writing in XX/XX/XXXX asking them to send me copies of documentation showing that this is my account. I responded to the letter they sent me on XX/XX/XXXX stating that I owed XXXX XXXX.

They never responded after initial letter. I continued to contact them over the phone requesting documentation to assist me with this matter. The stated would receive something in writing within 90 days. 90 days passed still nothing. In XX/XX/XXXX I then reached out to them again with a certified letter. I have attached the letter sent to Merchant financial on XX/XX/XXXX. I have still not received any response or resolution for this matter. 

.

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 information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/XXXX. I used that credit card to buy new tires for my car, I paid the balance. These are payments dates from my bank statements : ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$150.00} ) ** XX/XX/XXXX XXXX   Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) I have bank statements that shows all of the above the payments. My balance was {$0.00}. I do not remember I used that credit card again. On XX/XX/XXXX, I was checking my credit report, I found that there is a report from XXXX XXXX credit card against me that they closed the credit card because of no payment of the bill. I called the XXXX XXXX credit card to investigate what is that balance and why they closed the credit card without any notification. They told me that there is a balance of {$43.00} not paid and they tried to collect it and they could not collect it so they closed the account and reported that to the Credit Bureau. I told them I am not aware of the {$43.00} bill, and I never received any notification of that balance, I did not receive any mails, Emails, or any phone calls. I asked them to fix that problem of sending a false information to the credit bureau and closing the credit card with out contacting me. They are very rude and their answer is " NO we can not do anything ''. 
I would appreciate it if you please could investigate my issue with the XXXX XXXX credit card and to fix their inappropriate report against me to the credit report and to remove that from my credit history.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We filed Ch XXXX Bankruptcy in 2013 and included our Wells Fargo credit card in the bankruptcy. They are reporting it in the notes as a bankruptcy but are also illegally reporting a {$12000.00} balance which should be XXXX after the discharge of the bankruptcy. SEE ATTACHED DOCUMENT

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 card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Had a USAA credit card for approximately 17 years, never delinquent, late, etc. Yet, TWICE in as much time - USAA sent me VERY OFFENSIVE correspondence - so on the last one, in XX/XX/XXXX - I demanded that they close my account. Even requested they " negotiate '' a " payoff '' of my account - but was discriminated against because USAA informed me that " USAA only negotiates a smaller amount of a payoff with people whose accounts are delinquent. '' What-the-XXXX?!? Since the closing of my account - I have made monthly payments OVER the amount due ( I also did so during the 17 years it was kept current ) - except for XX/XX/XXXX, wherein I forgot my payment. It was due on XX/XX/XXXX. Today is XX/XX/XXXX - not even an entire MONTH past due - and I have received a letter AND TWO debt collection phone calls from USAA. What-the-XXXX?!?! I sent USAA an email - put in writing - that I DEMAND THEY STOP CALLING ME - yet, again, today I receive another call from USAA! UNREAL and very discriminatory to say the least!!! I am now contemplating BANKRUPTCY. 

XXXX XXXX XXXX XXXX

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Ad Astra Recovery Services Inc
State: OR

Complaint narrative:
Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra.

Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. 

XXXX 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: Incorrect information on your report — Account status incorrect
Company: CHS, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX  however XXXX   and Experian it is still reporting. These bankruptcies do not belong to me and should be removed from my 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: MI

Complaint narrative:
I was notified via my XXXX account on XX/XX/2018, that there was an account in collections. Through further investigation i.e. me calling the collection agency ( PERFECTION COLLECTION ) as well as the company ( XXXX ), I found out that the individual who opened the account is a family member who stole my identity. I've sent both companies copies of my Michigan State drivers license as well as a police report I filed. I've also sent PERFECTION COLLECTION LLC a copy of my United States XXXX orders as proof of residence in XXXX at the time the account was opened. No one has reached out to me on either parts. I've called both companies multiple times and they have done nothing to remedy this situation.

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: 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: PA

Complaint narrative:
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.

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: 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: PA

Complaint narrative:
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports

Company response to consumer: Closed with explanation