vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-01 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: KY

Complaint narrative:
On XX/XX/XXXX i faxed over a copy of my FTC report to XXXX XXXX XXXX  his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX-inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to apply for a loan with XXXX XXXX. Equifax has a lock on my credit file, and I have contacted them twice to get the file unlocked. Note that it is almost impossible to reach A LIVE AGENT AT equifax. Two week ago I was told that to unlock my account they would be sending me a PIN code. It never arrived, and now my XXXX XXXX loan has been rejected due to their inability to see my file at Equifax. 

In XX/XX/2017 the same thing occurred with another bank trying to access my Equifax file. The two other Credit Reporting agencies have NOT been a problem at all. 

Equifax needs to unlock my report, and they refuse to do so, causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bank with Wells Fargo and they charge {$12.00} for ISF. However, I have overdraft protection! Last time they did it was on XX/XX/2018. Isn't this the point of the protection? .To avoid this fee? 

In addition, they take MORE money that is needed. 

out of the savings acct to make the checking acct have a positive balance, then charge you. I called to resolve and they said, '' well normally we would charge you {$35.00} vs. 

{$12.00} to transfer funds if you didn't have this protection. ' '' Please advise. Thanks ...

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 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been trying to tell this company this debt is not mine. I called the original debtors and they agreed the account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MD

Complaint narrative:
I lost my card and contacted the company for a replacement card. I was told that I have to wait 5 business days to receive a card after I am required to send my Id to them first. I sent picture of license and utility bill while on the phone. I have bills to pay and my money is being withheld. I use the address they have on file and another address. I was told there is nothing to be done and now I have no access to my account balance online and when I call it says my balance is XXXX. I asked to close the account and receive a check for my balance and was told no

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 2018-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc.
State: WV

Complaint narrative:
Company repeatedly calling my elderly father on his cell phoneeabing messages about my debt. They also call me repeatedly but should not be contacting my elderly father

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: PA

Complaint narrative:
Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I XXXX and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   XXXX  TransUnion XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX  Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   XXXX XX/XX/XXXX Yes Yes XXXX XXXX XXXX. 
All Banks - non specific XX/XX/XXXX Yes XXXX  Mortgage Reporters XX/XX/XXXX  Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX/XXXX XXXX Credit Card Processors XX/XX/XXXX  Yes XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes

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 2018-07-01 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: PA

Complaint narrative:
Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I googled and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   Equifax XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance,  personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   Automotive XX/XX/XXXX Yes Yes XXXX XXXX XXXX.

All Banks - non specific XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXXYes Yes XXXX XXXX Automotive   XX/XX/XXXX Yes Yes XXXX XXXX Credit Card Processors XX/XX/XXXX Yes XXXX Banks and S & Ls  XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I was contacted by my employer about a credit issue. As a result I contacted Nationstar, now Mr. Cooper regarding what appears as an open account with them on my credit. Nationstar repeated advised I did not owe them anything and that the account was charged off. They even advised " even if you wanted to pay it of, you couldn't. They refuse to put that in writing and/or remove the account balance from my credit report. As a XXXX XXXX employee, this is an employment issue for me. As a veteran, I'm disgusted with the way Nationstar/Mr. Cooper has treated me and impacted my credit. If I don't owe them anything, as they've repeatedly told me, how can they report this as an open account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I refinanced my home with XXXXXXXX XXXX XXXX, utilizing the HARP program to reduce the interest rate on my mortgage. Even before my first and only ) payment to XXXX XXXX XXXX, the loan was sold to XXXX XXXX. I have paid my monthly payment utilizing their online payment service ( at : XXXX  ), on the first of every month. On XX/XX/2018, I was unable to connect to their webpage, to make my online payment, and finally made my payment over the phone. In late XX/XX/2018, I was notified by mail that my loan was sold to Specialized Loan Servicing, LLC ( SLS ). The problem of not being able to submit my loan payment online occurred again on XX/XX/2018. I made the payment over the phone again, and registered on the new website ( XXXX XXXX XXXX ), as directed by their customer service department , who assured me that this would solve the reoccurring problem. On XX/XX/2018, I experienced the same problem of not being able connect to their website to make my payment. Because it is Sunday, there is no customer support to process my payment. Unless their website magically starts working today, I will have to pay on XX/XX/2018, and pay 30 years interest on the one day late payment resulting from their incompetence ( or unethical practices ). I have read MANY posts, by customers complaining about the unethical practices associated with misapplication of principal payments, where a customer paid monies in excess to be applied to their principal balance on the the transaction date, to reduce their payoff amount/term, by avoiding compounded interest on the principal payment amount for the remaining term of the loan. I have read about unethical foreclosure practices, and poor or incompetent customer service practices as well. I have paid {$45.00} in excess of my minimum payment ( to principal ), on time, every month. And fully expect that this money is being immediately applied to my principal balance, and it is reducing my principal balance, and loan term in accordance with ethical finance practices, according to the good faith expectations of myself, and all applicable regulatory agencies. I have extremely low confidence in this, based on the number of complaints I see online, and my personal experience over the last few months.

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 2018-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/2018, my credit limit was decreased. The company, although they did send a letter after the fact, didnt inform me previously. I had a good standing with that account and did not have a late payment. My credit, in which they state it was due in part of, has done nothing but increased. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of {$500.00}, then decreased to {$360.00}. Now they decreased it to {$260.00}. There is no reason for this decrease. I have called and chatted in, and spoken to a supervisor. They would not get me to anybody higher up on the chain of command.

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 2018-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. 
WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Their investigation did not fix an error on your report
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: RGS Financial, Inc.
State: VA

Complaint narrative:
RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Their investigation did not fix an error on your report
Company: Deatrick & Spies PSC
State: IN

Complaint narrative:
XXXX XXXX  company closed and sold my account over to Deatrick and spies in XX/XX/XXXX Ive been making monthly payments to deatrick and spies since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact Deatrick and Spies about it. But every time i try to discuss this matter with Deatrick and Spies they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX closed and sold my account over to XXXX XXXX XXXX in XX/XX/XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXX XXXX XXXX   about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: Williams, Rush & Associates, LLC
State: IN

Complaint narrative:
William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.

Company response to consumer: Closed with explanation