vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today, XXXX XXXX,2017, Experisn made changes to my report that resulted in a 56 point drop in my score. When I called no one is able to tell me why. One account was reinserted XXXX. The account was deleted and should n't have been reinserted because they failed to reply within 30 days. Irregardless, that should n't have resulted in s 56 point drop in my score. Moreover, the drop in score came one day after I inquired about refinancing the XXXX car loan for a cheaper interest rate from a bank that uses the Experian credit score.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello. I have been working to remove 1 alleged state tax lien from my Equifax Credit Report. I have contacted the State of Indiana and obtained certified documentation that the tax lien needs to be removed from my credit report with Equifax. XXXX and XXXX both removed these alleged tax liens. I have sent the information twice to Equifax and both times it has come back verified. 1st Compliance/Validation Check - X/X/17 returned verified X/XX/2017 2nd Compliance/Validation Check- X/XX/2017, returned verified again X/XX/2017 I have included the certified letters form the State of Indiana and I would ask that you draw you attention to the detail in letters stating I have no tax liens against me in the State Indiana and they have removed these liens against me. You will also note in the compliance/validation letters I asked for documentation with my signature which I never received. It is very discouraging that a consumer can follow all process for something that is an error and follow the steps to have it removed from their credit report only to have a computer system XXXX, which is Metro 2 complaint, fail to recognize that consumer has provided all information to validate that said liens are to be removed numerous times. Also inline with the recent settlement between the credit bureaus and 30 plus state attorneys where as certain public records and judgements are to be removed if a record do not meet 3 of 4 identifiers. You will notice that both of the alleged tax liens on my report DO NOT meet 3 of the 4 required identifiers. Again a failure of the credit bureau to follow the settlement agreed to. Also I do not have an address on my credit report with Equifax or any other bureau that ties me to XXXX County, Indiana. Again, attached documents from the State of Indiana Validate that I do not have nor have I had an alleged tax lien. Thank you for your time and appreciate your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank credit card has been trying to collect {$100.00} debt on a fraudulent transaction that I disputed 5 months ago. As a result of the fraud, I closed my account in XXXX 2017 and paid off the balance, now 5 months later, US bank suddenly said I owe them {$100.00} after closing my account on a {$0.00} balance.

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 monetary relief
Consumer complaint received 2017-08-01 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: Ditech Financial LLC
State: KY

Complaint narrative:
I have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services
State: KY

Complaint narrative:
This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lendmark Financial Services
State: KY

Complaint narrative:
This company sold this account, but yet still reports this to the credit bureau as negative. Both companies are reporting the exact same account that was taken over by the co signer and is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from Equifax showing that the XXXX XXXX and Equifax are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that Equifax shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The company continues to call me, saying I owe although I 've made a payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: CA

Complaint narrative:
I complained of this problem over a month ago, XXXX and XXXX already closed and removed XXXX XXXX from my file. TransUnion is still showing it as an open account, complaint # XXXX on file. I 'm trying to rebuild my credit now after my two XXXX in XX/XX/XXXX and XX/XX/XXXX,  which caused me to close my business.sometimes I wonder if they do it on purpose so they can make more money off you. I 'm not asking for any favors, just do what 's right. It 's an open and shut case, a no brainer.

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 2017-08-01 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: FL

Complaint narrative:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

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 2017-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017, yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I spoke with customer service and they would not help and take care of the negative inquiries on my credit report.

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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my 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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EMCC Holdings, LLC
State: NJ

Complaint narrative:
I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Trying to use XXXX XXXX to borrow money but the bank is n't allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
XX/XX/2012 {$660.00} I was alerted by my credit report that this company reported to all 3 credit bureau that I owe a debt to them and I have never heard of this company. I have never done business with Midwest recovery systems. I do not have a contract with this company. this company added a collection account to my credit report with all 3 credit bureaus without my knowledge. this company has never notified me of this collection account prior to of after it was placed on my credit report. I have no knowledge of this company or the original creditor. I do not owe either company.It is against federal law to place on your credit report without validation of account or notify me of said account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Mortgage continues to charge Mortgage insurance at a higher rate and after 5 years and after I paid over 78 % loan to value ratio. My loan number is XXXX and FHA case number is XXXX. In addition, the premium I was charge was a higher loan balance but since I prepaid, the premium should have been lowered.

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 2017-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I applied for a loan modification from my present mortgage company. I submitted all the necessary documents to the loan company. They are not answering my calls or processing the loan modification documents. The company is Select Portfolio Servicing , INC .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation