vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TX

Complaint narrative:
Reference : Acc XXXX XXXX XXXX XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX is in violation of the Texas finance code Sec. 392.101 this  company does not have an active surety bond to collect a debt in the great state of texas and Section 392.101 of the Texas Finance Code clearly prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ON MY EXPERIAN AND XXXX CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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 2017-11-14 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: CA

Complaint narrative:
ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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 2017-11-14 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: CA

Complaint narrative:
I am attaching proof from my credit report that these 2 accounts on TransUnion are reporting wrong and that both the creditor and TransUnion are refusing to verify, correct or remove them as per the requirements of the FCRA. 

I 've submitted substantial evidence in this case and have disputed multiple times with both parties to no avail. These must now be deleted from my credit report. I am also attaching my correspondence with both parties. 

Accounts listed incorrectly : XXXX XXXX listed twice Problems : 1st account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company. 
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$1300.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified 2nd account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company.
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$5800.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified Due to the fact that it 's clearly being reported wrong and no one wants to conduct an actual investigation per the FCRA, these items must be deleted at once from 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Law Group
State: AZ

Complaint narrative:
I was in a XXXX group called XXXX XXXX XXXX XXXX, which acts as a basic do it yourself credit repair group but in reality it 's mainly for lead generation. In the group it was stated when a question was ask if you have a right as a consumer to see the letter being sent out on your behalf to the credit bureaus, XXXX XXXX XXXX it was emphatically stated it was by a XXXX XXXX. This was one of the reasons I was interested in signing up with them so I could track when letters went out and what was the substance and to make sure I agreed with them on how they were asking for verification/validation. I had a previous bad experience with another company in years past and it was a good one, I basically got ripped off. After signing up with a XXXX XXXX and after a round of letters went out I requested a copy of the letters and I was informed they do n't give those out because they were proprietary and they would be put out of business if they gave them out. I offered to sign an agreement that I would n't give them out for others to see or post them on XXXX or any other social media site. They said they took it to the top lawyer and I was told the same thing even though I told them I signed up basically on that premise. I later found out it 's who you get as your credit coach determines who receives letters and who does n't. I could n't believe I could n't get a copy of letters that went out with my name on them, no where in the contract does it state this exclusion. Apparently XXXX, will give them to his clients but others wo n't. I tried to sign up with XXXX but he never returned my text so I signed up with XXXX XXXX. My credit coach seemed knowledgeable but it was obviously from the beginning that others were assigned the work. I confirmed this the second time I requested a phone call meeting with him and he had no knowledge of my situation as he said several things that did n't apply to me or not what we talked about, he seems confused as to my situation. I was later told by XXXX XXXX I needed to sign up for their upgraded plan that costed more if I wanted better service. Needless to say I was disappointed because the conversation that we had at the beginning know was acceptable and I needed to spend more money each month. They wanted me to go from XXXX a month to XXXX a month. I was told by XXXX in an email I could either upgrade or cancel my service with them. At that point it was an easy decisions. I basically spent XXXX but told I would need to spend more to get better service. Also, my credit seem to get worse not better with several accounts in good standing now showing up as being disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it May Concern : I am writing to make it be known that both Experian and XXXX have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XX/XX/XXXX and XX/XX/XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations  to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.

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 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
DATE : XX/XX/2017 Amount : {$10000.00} Sitauation : Sister searching for used car, loan was supposed to be {$9000.00} total, but due to aggressive sales tactics, my Mother and Sister agreed to have the warranty put onto the loan, which I would have avised against. 

Approximately 2 weeks after buying the car, my Mother and Sister read an article about the car they had just purchased, a XXXX, was having a recall due to frequent transmission failures on the vehicle. My Sister then tried to use the warranty she had purchased to return the car free of charge to be given a replacement transmission. This request was denied. 

Issue 1 : XXXX XXXX XXXX knowingly sold a car currently under recall to consumers, and sold a faulty warranty to these consumers, offering no protection. 

Issue 2 : XXXX XXXX XXXX ( XXXX, IN ) requested auto loans to 6 different credit agencies, causing 6 different credit checks to be place on my sister 's and my credit reports. Acourding to XXXX my credit dropped 45 points because of the incident. If I, the cosigner, would have known 6 hits on my credit were to happen, I would have applied for the loan myself in my own name at my own bank. This is careless, and quite frankly, willingly ignorant for a company to take this action.
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX 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 2017-11-14 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: TX

Complaint narrative:
To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.

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 2017-11-14 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: AZ

Complaint narrative:
I am a victim of identity theft : The following hard inquiries listed on my XXXX, XXXX and Trans Union Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX 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 2017-11-14 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: AZ

Complaint narrative:
I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX I live with my family at XXXX XXXX XXXX XXXX CA XXXX, in XX/XX/XXXX I received loan from XXXX XXXX XXXX un aware and not understanding the terms of the loan to an interest only payment i was making my payments for many years. In XX/XX/XXXX without my knowledge they switched the loan to Wachovia and I was making my payments to them. In XX/XX/XXXX I was switched to Wells Fargo ( a night mare ). Around that time my payments adjusted to three times the amount I was paying. I was struggling to make my payments I reached out to Wells Fargo begging for assistance for a modification. For several years I faxed all requested documentation to wells fargo litigation department but they would deny me every time I have continue to plead with them for a modification to no avail. 
under the settlement that was signed by XXXX XXXX and Wells Fargo in XX/XX/XXXX I qualify for a modification, I believe they are violating the settlement agreement and they are violating my right to get a modification due to the pick-a-payment they give me in XX/XX/XXXX. 
I am requesting your assistance in this matter and to investigate why Wells Fargo is violating and not honoring the settlement agreement that was signed in XX/XX/XXXX. 
Please I need your help I do not want to be homeless.

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 2017-11-14 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a certified letter which was received by TransUnion on XXXX XXXX, 2017 at  XXXX XXXX. I will include my USPS certified mail receipt for delivery proof. It has been well over 30 days and I have received no reply. At this point, by law they are required to DELETE the 2 accounts in questioned. ACCOUNT # 1 : XXXX XXXX XXXX # XXXX and ACCOOUNT # 2 : XXXX XXXX XXXX # XXXX. 

My next step is to take TransUnion to court for violation of the FCRA. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items are not deleted immediately. 

I will include my first written letter to TransUnion and also my last attempt letter to have these items removed. With the recent data breaches with XXXX, I would think TransUnion would take this matter more serious.

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