vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear XXXX, XXXX And Equifax, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


EQUIFAX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding Equifax to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I 've been trying to submit complaints to Experian for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.

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 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have several collection accounts on my credit report from XXXX XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a valid license to collect debt in the state of XXXX XXXX XXXX according to New York Secretary of State. I am requesting that you delete these accounts from all credit bureau agencies immediately due to a non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I submitted an application to XXXX XXXX XXXX. Received an alert that an inquiry was also done by Wells Fargo. I did not authorize Wells Fargo to access my credit.

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 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: FL

Complaint narrative:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

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 2018-01-02 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: FL

Complaint narrative:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
Hello, Transunion still reporting Released Tax lien, I 've sent 3 notarized certified letter and they are still report after XX/XX/XXXX Released date XX/XX/XXXX Reference number XXXX Name : XXXX 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 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a personal account and business account with wells fargo. I own a small salon and was doing my credit card processing with a booking company called vagaro. My wells fargo branch manager came to my salon with his laptop and for weeks tried to get me to switch my credit card processing to wells fargo. After 8 weeks of weekly visits with other members of the bank branch I finally agreed to switch if they would stop coming to my business. They had me sign a document at my business while I was with clients, after I signed I got a machine in the mail and began processing with what I thought was wells fargo. After the first month I was charge over XXXX dollars and fees and my account had multiple fee and withdrawls without any reason why even on days that my business was not open or processing credit cards. I had multiple accounts that were open and I had not opened them. I went to the bank branch 5 different times and they told me they could not stop the withdrawals from my account and that the branch manager had been promoted so I could not speak with him. They told me that I had to call a 3rd party who the processing company was with. I called and tried to send the processing machine back even though I had paid payments for it, I did n't want money back I just wanted to end my contract. They informed me that I could not send it back and that I would now be charge 3 times the amount I was told the machine cost by the branch manager and that I had to pay XXXX dollars to end my contract. My credit score went from XXXX to XXXX because of the credit hits that came from wells fargo and the credit card company. My small business is on the verge of bankruptcy and I am personally struggling because of this. I feel it is unfair for wells fargo to come and solicit my small business for processing and then charge me thousands of dollars in fees and withdrawals without answering as to why or how I can fix this issue.

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 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/17 I purchased a money order for XXXX from money gram at XXXX. 
The money order was stolen from the rent office along with multiple other money orders by an unknown person. I called money gram and they informed me that it had been cashed XX/XX/17 and that I needed to prove that it wasnt me who cashed it. They gave me the option of paying XXXX dollars to receive a picture of the check and at what location it was cashed at I agreed. When I got the copy of the money order at the time it was cashed it had been rewritten and my apartments name was no longer on the front of it with No signature on the back. 
Then they told me XXXX XXXX XXXX was the back that cashed the money order but when I went to chase they told me that the account money gram is saying the money order was cashed in does not exist and they are not responsible for cashing the money order .At that point I decided to turn to consumerfinance because Im being lied to and misled my money gram to my knowledge they are suppose to contact the bank the money order was cashed at and ask them to open a fraud investigation but Im left doing everything my self with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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:
The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.

Company response to consumer: Closed with explanation