vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from 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 non-monetary relief
Consumer complaint received 2017-11-17 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: OH

Complaint narrative:
I have wrong letters and contacted both XXXX credit and Transunion about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is 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 2017-11-17 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: OH

Complaint narrative:
I have wrong letters and contacted both XXXX credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been 28 hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is 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 2017-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: MO

Complaint narrative:
I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls 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 non-monetary relief
Consumer complaint received 2017-11-17 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: Clarity Services
State: AL

Complaint narrative:
I have 2 Hard inquries on my credit report from XXXX XXXX XXXX. 
Dates include XX/XX/XXXX & XX/XX/XXXX I have never given these people permission to run my credit nor do I even know who or what this company is besides what I found on XXXX about them. It has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Been working with franklin credit for 2 years initially started in BK but then they dismissed it though we did receive mod and I paid but they said they did not get the appropriate court papers so for the last two years we have gone back and forth going from the initial XXXX proposed load mod to XXXX plus asking for XXXX down. They have sent us documents with different balances, delayed in contacting us. We are victims of predatory lending did not know what we signed when we bought the home under false pretense. We have asked for a fair mod. They said they would agree to XXXX down with the remaining spread over a year with the regular payment. My attorney advised us before we sign on Monday we should have our loan directed and terms reviewed and it was to have been reviewed by BK court Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: MO

Complaint narrative:
I am filing this complaint against the following credit reporting companies. XXXX XXXX, XXXX, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : Charge-off XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX  XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX, now going by Navient is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts ( 20+ ) between XXXX XXXX and Navient that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as Navient/ XXXX XXXX is partaking in illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Few years ago I dispute a fraudulent Parking ticket due to the fact where my vehicle was parking its different from the address it shows in the parking Ticket, even I disputed the validation of the ticket with the City of XXXX XXXX, They never corrected the mistake done, Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed.
I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent action. 
I 'm enclosing a signed letter to them as well their letter I received few weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NC

Complaint narrative:
XXXX XXXX, also reporting loans as US Dept of Ed/ XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX  XXXX and USDE that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX/ USDE is partaking in illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES
State: NC

Complaint narrative:
XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: AR

Complaint narrative:
XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.

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