vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had sent a request to all XXXX credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. Trans-Union and XXXX  both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why transunion and XXXX seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to XXXX and Trans-union just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: LEXISNEXIS
State: SC

Complaint narrative:
This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX back in XX/XX/XXXX I received a phone call from XXXX about modifying my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take XXXX XXXX offer and modify. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from XXXX I decided to call them for an update. and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago.
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for XXXX stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call XXXX about this letter. The funny thing about XXXXXXXX I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to XXXX and fax them also. By the end ofXX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called XXXX to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them $ over 10000. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so XXXX  left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, XXXX  was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many XXXX representative, ( have a record of ) every month they would ask me for the same things. I started to certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for a year, by now my credit was ruined. I 'm asking to have that removed from my credit bureaus as I had no control of the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX-2017 XXXX XXXX XXXX contacted XXXX and transunion about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted XXXX and transunion in a final attempt to get them removed. I spoke with dell and a rep from transunion who said they would dispute all inquiries instead for an authorized one from capital on made on X/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I 'm a cosigner on a Wells Fargo Student Loan, paying {$500.00} every two weeks against a $ XXXX/mo payment since XXXX 2012. All was well until XX/XX/XXXX when - for no obvious reason - the payments have started to fall behind the date due. All communications with Wells Fargo directly through their preferred Message Center point of contact has been unsatisfactory ( to say the least ) and there is zero information available on the web page that tells me what loan is being paid on when. All I have from Wells Fargo ( aside from the obvious definitions of loan terms ) is " If you have more than one loan combined into a single account, payments will be distributed among the loans as described above whether there is a separate billing statement for each loan or if multiple loans appear on one billing statement. Unless you request otherwise, Wells Fargo will distribute your payment in a manner that seeks to reduce the amount paid over the life of the loan and help protect your credit history. '' I have no billing statement, and I 'm being stalked by WF daily - help?

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 2017-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by TransUnion, XXXX and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted TransUnion, XXXX, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 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:
i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( TransUnion, XXXX, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( TransUnion, XXXX, and XXXX ) I also asked XXXX to correct errors and they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: PA

Complaint narrative:
i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: PA

Complaint narrative:
i refinanced my home on XXXX XXXX XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, Experian, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, Experian, and XXXX ) I also asked XXXX to correct errors and they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: GA

Complaint narrative:
I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?

Company response to consumer: Closed with explanation