vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. Thank you.

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 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I have tried since XX/XX/XXXX and XX/XX/XXXX and now trying to get this removed fro my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I was several months behind on my mortgage. I applied for a loss mitigation only to be denied. I received my federal income tax return on XX/XX/XXXX. First thing I did was call loancare llc to pay my past due to bring my account current. I gave the representative my correct Bank checking account number and routing number to Make a one time payment to bring it current. Loan care then proceeded to take this payment out of another checking account I had on file with them not the one I gave them access to which in return sent the account they charged into the negative. I have called 6 times to try to resolve the issue in which I received the same answer each time that they would have to review the call and will call me right back and I have yet to hear from anyone.

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 2018-02-28 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Original account/debt was with XXXX. 
XXXX wrote off account. XXXX had the account with two inaccurate amounts {$160.00} and {$100.00} appearing on my Transunion credit report even though the account was assigned to XXXX XXXX XXXX Client Account # XXXX for only the amount of {$100.00}. XXXX then sold account to XXXX XXXX, XXXX account # XXXX. XXXX   offered me an opportunity of a lump sum reduction of {$36.00} which I paid should be reported as " satisfied in full '' on Transunion report and a letter stating the account was satisfied. 
The paymentTrace number Is XXXX XXXX XXXX. The name of the person who accepted and processed the payment at XXXX was XXXX XXXX XXXX XXXX Ext XXXX. 
I AM asking for help to remove two derogatory and inaccurate marks on my Transunion Credit Report. 
Thank you.

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 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying them.

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 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU 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 2018-02-28 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: NV

Complaint narrative:
I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough

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 2018-02-28 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:
XXXX XXXX is the company on the credit file. Transunion is the company that will not do what is correct. They have reported an inaccurate late payment and I have contacted them and the credit bureaus. They have removed the account from XXXX and XXXX with no problems. Transunion keeps coming back with the account being verified when they have admitted it's an inaccurate late remark and was supposed to be removed. They are refusing to remove it and can not provide proof of the late payment. Neither can 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 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is not allowing me easy access to my account. Today, XX/XX/18 I called in. The man was borderline hostile. He demanded that I provide my full account number, even though I gave him the last four digits he requested, then he demanded my mother 's maiden name, then he demanded that I allow a text message be sent. When I questioned XXXX ( the representative ) why he needed this and asked what he would do if I didn't want this he told me that I now had NO CHOICE BUT TO BE TRANSFERRED TO THEIR SECURITY DEPARTMENT LIKE SOME ANIMAL CRIMINAL. He was rude, dismissive and vindictive. I spoke to manager XXXX XXXX who didn't need half the information XXXX did and finally answered my question. She could not explain why he needed so much more invasive information. Chase representatives need to allow access to accounts. I called from the phone number listed on my account, provided my full account number and confirmed my mother 's maiden name. That is more than enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
After pulling a copy of my credit report i notice that this company is reporting on my credit report and reporting some inaccurate not proven compliant misinformation and i request that this account immediately be removed from my credit report. i disputed this with the credit bureau as well and has uploaded a copy of my letter attaching it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.

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 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over XXXX was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough

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 2018-02-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 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: NV

Complaint narrative:
I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough

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 2018-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have talked with XXXX at tower loan multiple times in XXXX XXXX to explain to her that do to the loss of my sons income and my fiance having to pay 40 percent of his medical expenses and me having to support myself and my XXXX family and we had to move to a more expensive place because our landlord wouldn't fix anything. I asked the guy on the phone and he advised me to pay on the 2 secured loans and let the unsecured go since we are judgement proof. XXXX called me a liar and said he didn't say that. XXXX told us file bankruptcy. We asked her to lower the monthly payment so that our family could afford food and medication. She refused. She also refused to take full payment on 2 accounts saying if we defaulted on 1 she'd sue us for all three keep in mind we are judgement proof and both XXXX  or XXXX XXXX. This has caused me to attempt XXXX and have XXXX. She also threatened us with jail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Sierra Holdings LLC
State: IN

Complaint narrative:
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation