vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : Equifax : 1. XXXX XXXX/XXXX  XXXX XXXX  Account Number:XXXX 2.XXXX/XXXX  Account Number : XXXX 3.XXXX XXXX Account Number:XXXX XXXX  : 1.XXXX XXXX XXXX  Account Number : XXXX 2.XXXX XXXX   Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and Equifax so please prove to me how XXXX can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: GA

Complaint narrative:
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Transunion XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Transunion several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Transunion. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Transunion has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Transunion is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

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 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: WA

Complaint narrative:
This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. 

Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is garnishing my wages and filed for courts to do so on XX/XX/2018. I was not notified by courts nor addressed to appear in courts to dispute credit costs. I called company and no answer on ability to prove original amount of debt that was owed. The company has increased a XXXX dollar owed store credit card amount to over XXXX dollars and my wages are being garnished at 25 % of my paycheck. 

I had no phone calls, letters nor warning for debt collection. Now, I am struggling to pay my bills and stay in my apartment. I cant believe companies can increase debt owed and just destroy your credit reputation. I am at a loss and just do not have faith in becoming a success in this country. I just dont know what to do and feel helpless and vulnerable to companies like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been working with my loan servicer for well over a year with a mortgage I have been struggling to pay on a property that since the XX/XX/XXXX financial crisis is no longer worth what I owe on it. I have had a signed purchase agreement since XX/XX/XXXX for a short sale - not as much as what is owed, but a cash offer at current market value. Whether intentional or not, the process of trying to work with my loan servicer has been hindered by vague and ambiguous communications, mixed messages, and constantly changing demands from them. I have done and provided all that they have asked of me, yet to date they still have not rendered a decision on the purchase agreement that is now over a year old, nor have they offered any alternative resolution, or any relief whatsoever. I had wanted to include my request for assistance and accompanying documentation but that was 74 pages, and over the 10mb limit for attachments, but I am including a letter from my loan servicer acknowledging receipt of this information. I am also including a recent email from the title company who is working on the short sale, as well as a XX/XX/XXXX letter from my loan servicer notifying me that the status and my request had changed, but neglecting to disclose what the change was, why it had occurred, or what I needed to do about it. My attempts to resolve this issue were again met with mixed messages and changing demands before it was finally resolved. A letter with complete information would have clarified the issue and facilitated a much speedier resolution.

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 2018-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

Equifax states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. Equifax refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: MD

Complaint narrative:
In early XX/XX/2018, I applied on www.SoFi.com for a personal loan. I have excellent credit and income and met all of the qualifications necessary to receive the loan amount of $ XXXX that I applied for. I went through the SoFi account review process submitting all required bank account documentation and proof of income and was approved for a loan. When the review process was completed I was sent my loan agreement and signed it on XX/XX/2018. My first payment on the loan was to be due on XX/XX/2018. However, for some reason, SoFi has refused to fund my loan and hasn't given me any plausible explanation. It is now XX/XX/2018 and SoFi has not funded the loan per our agreement. Every time I have contacted the company about the status of my loan they have only offered vague excuses and empty promises of the funding being ready to go. My SoFi account has now been placed in permanent 'signature review ' status. SoFi recently notified me that my application has expired even after I have provided everything that they've asked for. Based on my experience with this company I strongly suspect that I have been discriminated against based on race or because I am a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: CA

Complaint narrative:
Equifax credit reporting agency will not remove inaccurate accounts from my credit report that I have filed identity theft for and disputed. XXXX XXXX XXXX, XXXX is listed three times on my credit report. 1. XXXX XXXX XXXX, XXXX for {$390.00} - 2. XXXX XXXX {$620.00} - 3. XXXX XXXX XXXX XXXX  {$620.00}. Two of these account have the same account number, amount and the same information. 

The other two major credit reporting bureaus have removed these accounts and updated my credit file, but Equifax still shows these three accounts and it is affecting my livelihood. I am in the process of purchasing a home and have been denied twice, due to Equifaxes incorrect reporting errors. 

On XX/XX/2018 I informed Equifax once again that I am a victim of identity theft and faxed them a copy of my Drivers License, Social Security Card, a current bill with my name on it and my FTC Identity Theft Report. I placed a security freeze on my credit report and took all the necessary steps that I was advised to do take by the FTC Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX XXXX is not responding to my inquiries regarding Public Service Loan Forgiveness. I have twice submitted documentation regarding my public service employment via upload on their website. I waited for several months to hear something, requested a response, and was told I needed to wait some more. Meanwhile, qualifying payments are not being credited to my account, delaying my ultimate loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: Credit Karma, LLC
State: IL

Complaint narrative:
There is information on my credit report that isn't mine. I want to dispute this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I had a medical bill on XX/XX/XXXX from emergency room that I didnt know about and never received anything in the mail. The debt went into collection in XX/XX/XXXX I came to find out about after it went in collection and paid it off approximately by XX/XX/XXXX-XX/XX/XXXX that year. 

The collection company that had the debt was ( Transworld Sys Inc/33 ) Attach you can find my credit report and see page # 3 showing account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cascade Capital, LLC
State: IN

Complaint narrative:
I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: MO

Complaint narrative:
The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}

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 2018-10-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: MO

Complaint narrative:
The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}

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 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Miss or Sir, I had an account with Bank of America for almost 7-8 years on the year of XX/XX/XXXX-XX/XX/XXXX i filed 2 complaint against the bank for deducting overdrafts fees by mistake from my account and XXXX helped me to get my account refunded with these wrong fees. I received bitter phone calls from responsibile people at the bank at this time to inform me that I will be refunded but always the person from the bank were speaking angrily because I dared to complain On XXXX XXXX and after all these years I deposited a check from a person who had not enough funds so the check was returned back to me and never been cleared this is first time I have a bounced check and its normal it happenes to almost everyone But the bank took the chance and as a form of revenge of my previous complaint on XX/XX/XXXX-XX/XX/XXXX the closed my account while I was outside the USA though i called them before I travel to be able to use my card abroad so they knew I'm traveling with the card I was stranded this was the only card I travelled with when I got back I found out that they went way too far they reported my name to a third party agency called XXXX XXXX so they contact all the other financial institutions I have cards from all my other bank accounts were closed Until today I can't open a bank account at XXXX or XXXX because I always get the response that Bank of America putmy name on a fraud alert with this XXXX  XXXX   agency I don't know why a bank would reveal a client information to a third party I did know about or sign for them to have my information and I don't know why a bank go this far to retaliate against a client because this client previously complained from the bank Thank you very much 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 2018-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I contacted Transunion to dispute inquires on my credit report. I have not authorized these inquires and I have received little to no cooperation from both the credit bureau and the creditors to remove the following inquiries.

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from NXX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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