vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: IA

Complaint narrative:
Joint credit card opened in XXXX with former spouse. After divorcing in XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the account in XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
For no reason at all synchrony bank lowered the limit on my Walmart card and XXXX card. It has impacted my credit score and I have always paid on time and carried very little balance on either card. It is unfair and harmful to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Goodmorning, A relative of mine received a call from ( XXXX ) XXXX-XXXX looking for me. I do not know the details of the conversation however I was informed it did not go well and that the gentleman on the other end of the phone used and exploitive to address my relative. Calling her a XXXX. 

I then called back the same number as was greeted by a Mr XXXX XXXX, a name I assume to be an alias as collectors are allowed to adopt an alias. However I could be wrong. I digress, Mr. XXXX informed me of the establishment for which he was working for saying he works for a federal entity and his job is to make final recommendations of wether or not litigation would be necessary. I asked what he was referring to and he informed me of a debt from 2014. It was a payday loan taken out by myself from an establishment named Check N Go. He said his job was to see if we could reach some sort of settlement or if litigation in my state was necessary and the decision of what route to traverse down, was left up to his discretion based off of the dialogue we had in our correspondence. He verified the last four of my social but the address on file wasnt an address that Ive ever lived at. I advises him that this doesnt bring about any memory for me and the address he referenced is an address Ive never occupied. I made Mr. XXXX aware of my bewilderment and he became disgruntled and said he was going to tell the judge and good luck with that buddy and hung up. I asked Mr. XXXX in the beginning of our conversation if the calls were being monitored and recorded and he said they were. I also noticed that after he verified my social he did not read me the mini miranda. Which is standard FDCPA practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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:
Upon reviewing my credit report, i notice that i had so many inaccurate information on my report. There isn't no one to blame but your company. You have mislead me to believe that my credit was being investigate after I've sent in several proof and documents that was certified mail. I haven't received any mail back since XX/XX/2019. I am seeking litigation and also compensation for damages and the pain you caused my life. It has been embarrassing and traumatic dealing with this current situation of fraudulent inquiries being placed on my credit report. It isn't factual information at least not something that I've personally done. I am a victim of identity theft and my personal information was leaked in the breach with XXXX, XXXX XXXX and a few others. This message is in regards to this being the final good will letter i am sending to get this matter resolved quickly. I am allowing 3 business days which i want an internal investigation done immediately. The inquiries that are listed fraudulently and inaccurate are 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX, 4. 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 non-monetary relief
Consumer complaint received 2019-08-07 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: IN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-07 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: IN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My husband took out a 2nd mortgage on our home in his name only with Ditech.Financial LLC. My husband has passed away and I need to sell my home. My name is on the home but Ditech gave him the 2nd mortgage without my signature. Now with my husband being deceased they refuse to give me, the Title Co. or anyone else the payoff information of the 2nd. mortgage. Causing me to not be able to sell my home, without expensive attorney fees. The Title Co. has reached out to Ditech, via fax, phone and E-Mail. and they will not even acknowledge receiving the information from the Title Co. I have reached out to Ditech, I have even given my sister access and permission to act on my behalf. They deny having that information on file. Now they say they can't even speak to me. My sister spoke with a manager at Ditech, hoping to get this issue resolved. He too is not willing to resolve the issue without expensive attorney fees. I feel like the loan should not have even been given without my signature, if this is the game they play. Is their any way you can help me without having to pay expensive attorney fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
Modification approved XX/XX/XXXX first payment XX/XX/XXXX made 5 payments still showing behind on credit report which is illegal and unapplied payemnts on mortgage WHY? PAYMENTS HAVE BEEN MADE! Final modification paperwork was finished no need to sign anything else if your ERROR!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to deposit cash into my brothers Checking account at 5/3rd Bank. When I walked up to the teller, I handed her the deposit slip and the cash. She asked if I was on my brothers account. I said, No. She then proceeded to ask me for ID so she could make a copy for their system, and she asked me for my SSN, My Occupation & my Cell Phone Number. I told her I was not comfortable giving her all of that information as I DO NOT BANK with 5/3rd and I didnt feel comfortable giving them my information to hold in their system. I asked her why the bank required this information? She could not answer the reason why. I asked her, what if there is a data breech? I dont even belong to your bank and now you have my nppi in your system. She laughed it off and said, yeah like XXXX XXXX that just happened to? I didnt find that a joking matter. She told me that she could not accept the deposit unless I gave her that information this was a rule from corporate and shes just doing her job. I ultimately had to give her the information in order to make the deposit. I made the deposit and I left. I called the corporate office and asked to speak to someone who could explain to me why they require my personal, non-public information in order to make a deposit? The women at the corporate office could not answer my question and refused to connect me with anyone who might know. She said that must be a branch rule. I said how could collecting that kind of information be a branch rule? They are inputting into your corporate system? I asked her multiple times to please transfer to someone who knows the banks policies. She refused. This was the 5/3rd Corporate Number I dialed ( XXXX ) XXXX and pressed 0 for the operator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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:
XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

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 2019-08-07 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: TX

Complaint narrative:
XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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:
XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.

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 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo let individuals come into their branch, commit fraud and violet The Patriot Act. They did not investigate and treat the victims as the criminals. My family was threatened, job and marriage if I went to the police. I submitted documentation to the FBI, Local Police and Secret Service surrounding these wire transfers. 383 pages of documents went to all banks and police. The individuals also said if I went to the police they would say the money was for XXXX   plots or to XXXX my wife. Last XX/XX/2018, I notified Wells Fargo of wrongdoings in their checking accounts and asked them to investigate. Basically, use the information that they used to open the accounts such as social security, DMV, etc. and gave them names of law enforcement to reach if needed. Several letters later, Wells Fargo would rather protect the rights of criminals and violate the patriot act then investigate. They stole my identity thru DMV records and social security. There have been little discussions with Wells Fargo executive and fraud group because they will not do anything even though I am a customer. We will end up in court due to their hindrance of an investigation and violating The Patriot Act!

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 2019-08-07 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: MD

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 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: MD

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 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: IA

Complaint narrative:
Joint credit card opened in XX/XX/XXXXwith former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the  account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.

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 2019-08-07 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: IA

Complaint narrative:
Joint credit card opened in XX/XX/XXXX with former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and XXXX the account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX. However, XXXX XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score.  This {$890.00} debt does not exist. It was written off by XXXX XXXX XXXX in XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: IL

Complaint narrative:
Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with XXXX XXXX XXXX, XXXX. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental   complex. That agreement does not show XXXX XXXX XXXX, XXXX to be the company due payment, yet they sent that with an expectation of payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Credit Plus Inc
State: NJ

Complaint narrative:
These Credit Inquiries Are Unauthorized And Need To Be Removed From My Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax reporting of hard inquiries on my credit. Equifax wont tell me who is asking about my credit. It has been reported that Equifax has had a security breach. I am concerned. I have notified them that I have had no application for credit to anyone in the past 6 months. They try to verify who I am by asking questions from many years past that I can not answer. The customer service employees seem to be in a foreign country and do not speak understandable English. What to do now? I have spent many years getting my credit back inline from the XX/XX/2008 disaster only to be subject to fraudulent practices.

Company response to consumer: Closed with explanation