vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax and XXXX XXXX XXXX , XXXX refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, XXXX for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, XXXX XXXX XXXX , XXXX, which last reported this old debt on XX/XX/2018. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, Equifax and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, XXXX and Experian ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of 715+, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.

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 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Burt, Blee, Dixon, Sutton & Bloom, LLP
State: IN

Complaint narrative:
On XX/XX/XXXX I sent the agency a email explaining that I would be mailing out my payment. They responded on XX/XX/XXXX, this email response did not include the mini XXXX as the FDCPA ( 807-11 ) requires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: VA

Complaint narrative:
In XXXX I was a victim of fraud and the XXXX XXXX Breach and I have been disputing items on my XXXX and Experian credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with XXXX they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with XXXX and Experian. As of today XX/XX/XXXX my credit score with Experian is a XXXX and XXXX is a XXXX. My credit score is up and down as it pertains to XXXX and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. XXXX is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with XXXX they drop my score instead of completing the updates in which they were instructed to do.

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 2018-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have spoken with XXXX about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with XXXX I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX added a collection to my credit file, for a debt I do not know belongs to me. They have failed to send me a 30 day right to dispute letter. I did not know this debt/collection existed until I checked my credit report. They are in violation of the 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I was working with my lender at the time, XXXX XXXX for a repayment plan regarding the past due payments for the property taxes. When I submitted the documents to show my income it there and I can afford a payment plan I was told it was too late because the foreclosure sale was scheduled for XX/XX/XXXX. I was forced to file bankruptcy and when the sale was postponed to XX/XX/XXXX, I again attempted to contact XXXX XXXX for options. They told me my loan was being transferred to XXXX and I would need to contact them. On XX/XX/2018 I received the notice my loan was being transferred, I called XXXX for two weeks and they were still processing/transferring my loan into their system. It was not until XX/XX/XXXX that they finally acknowledged my loan and then said it was too late, the foreclosure sale date is now XX/XX/XXXX. How can this be fair? I did not ask for my loan to be transferred, especially in the middle of a foreclosure sale and the fact that they are keeping the sale active and not giving me any options to save my home is absurd and a violation of my rights. Had my loan not been transferred and had it not taken XXXX more than 2 weeks to acknowledge me, I would not be in the predicament again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail

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 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed a safe deposit box with Wells Fargo in XX/XX/XXXX. When I closed my checking account with Wells Fargo they took a safe deposit box fee from my account ( {$30.00} ) when I no longer had the box and no fees were due. I have tri d calling and filling complaints withe their corporate office but no one has responded to my complaint. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total phone time with their representatives is about 3 hours and I still get no resolution or phone call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Our payment sent to SPS Inc. was not credited to my spouse 's account as requested on payment statement. The payment was processed as two payments. Not a single payment for principle and interest. This allowed SPS to charge us interest twice for the XX/XX/XXXX payment. We contacted SPS to correct this error to apply our payment as requested. The account representative talked with us and said the funds would be credited as requested. would be done within 5 to 7 days and we would not be able to see this correction in the online access. SPS Inc. representative did not say this would be reflected on a corrected XX/XX/XXXX statement or would they take the XX/XX/XXXX payment funds as payment for XX/XX/XXXX and XX/XX/XXXX as XX/XX/XXXX statement shows. The statements have blocks for assignment of funds, we wanted all funds above the regular payment applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RAB, INC.
State: CA

Complaint narrative:
I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. These account are XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : 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 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I Went to XXXX XXXX for XXXX and a XXXX. I was billed {$3000.00} thru XXXX XXXX. I went through XXXX XXXX to pay for my teeth. XX/XX/XXXX I picked up my teeth. My first payment with XXXX XXXX was XX/XX/XXXX. They Charged me {$3000.00} included in that charge was a {$30.00} charge, don't know what that charge was for, then they charged me on my very first statement {$8.00} Interest. I knew right then I did not want to do business with them. I wrote them a check XX/XX/XXXX for {$2700.00} that paid my portion in full. XXXX XXXX owed me 10 % for a Senior Discount that I had to ask for. I ask XXXX XXXX if they paid XXXX XXXX the {$300.00} for the discount. I found out they had credited my account at XXXX. I told them I didn't owe them anything that it should go to XXXX XXXX. They sent XXXX XXXX a check on XX/XX/XXXX {$300.00}. That should have paid the account in full. I continue to be billed from XXXX XXXX, Finance charges, Late fees, and Interest charges. Each month they add more Finance charges, Late fees and Interest charges. XX/XX/XXXX they show me owing {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjust. I requested a validation on XX/XX/XXXX as the debt amount owed is not correct. On XX/XX/XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from National Credit Adjust and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XX/XX/XXXX however the account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
We are refinancing a loan. Wells Fargo is the current lender. They can not send us a payoff amount for the loan. We are trying to close on XX/XX/2018 or XX/XX/2018 and they have said they can not get us a payoff for at least one week.

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 2018-06-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.

Company response to consumer: Closed with non-monetary relief