vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
XX/XX/XXXX, called me from XXXX, 7 times ... XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX XXXX, XXXX, XXXX and 3 times at XXXX. I asked them to stop calling at XXXX and XXXX. Received another call today XX/XX/XXXX at XXXX. They are harassing me and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CT

Complaint narrative:
In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX  XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CT

Complaint narrative:
In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CT

Complaint narrative:
In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have XXXX hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan AXXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT  XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. TransUnion and XXXX are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter XXXX filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with TransUnion has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with TransUnion and XXXX  were XX/XX/XXXX ; TransUnion has responded and XXXX  has not. 

I have attached all documentation, as well as the dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: NH

Complaint narrative:
Hello, Please i will like to file a dispute to remove a fraudulent collections account added to my credit report. This debt does not exist and i believe its a situation of identity theft, I have tirelessly been trying to contact the company about this but they have no paper proof of a debt i owed plus they were trying to have me meet up with their agent somewhere to pay off a debt i did not owe. 

Information of the collections company is below, XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX Collections Account XXXX : XX/XX/2018 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Remarks : Medical I hope you will please do something about this and help me remove this fraud company from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Ok I started disputing LVNV funding llc back in XX/XX/XXXX I sent a affidavit sign and notarized that this was not my account. I then preceded to send police report and a dispute letter XX/XX/XXXX only for them to verify the account I then sent a 30 days validation of this account no respond about a month later I received another letter of validation without proof of identity no signature and also not the original documents I called the resurgent capital services and told them whats going on they ask me to fax affidavit in I did. I called back 48 hours only to be told they did not get it. Then the next morning I called them back and asked to check status on my dispute she then stated that they received the fax yesterday. But see the other person told me I never sent in no documents then I stated to them that I would like to send me the original documents on this account. I called again yesterday which was the XX/XX/XXXX the person said they mail out the verified account now as Im trying to get this matter taken care of they put a old account thats past the limit law now I have to dispute 2 accounts if my other account is past the time limit why did they added to my report I would like to please remove with positive feedback

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have filed a complaint in the past regarding Wells Fargo utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because Wells Fargo would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with XXXX XXXX XXXX XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 

Between Wells Fargo and XXXX XXXX XXXX, I have incurred more XXXX issues and feel this is Wells Fargo retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of Wells Fargo and now 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 2019-04-09 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: Credit Karma, LLC
State: CT

Complaint narrative:
Closed reports from a few years ago are still on my account. 

XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX. 
XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CT

Complaint narrative:
There is an inquiry from XXXX XXXX XXXX and the inquiry from XX/XX/XXXX. I have never applied for a XXXX XXXXXXXX Credit card. I spoke to XXXX XXXX multiple times and even filed a dispute with the major 3 credit companies, they said it was fraudulent and XXXX XXXXl would need to take it off my credit report last Fall. As of Spring XXXX it is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. XXXX and Experian are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter 7 filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with XXXX has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with XXXX  and Experian were XX/XX/XXXX ; XXXX  has responded and Experian has not. 

I have attached all documentation, as well as the dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Debt collector calling me several times a day from several different numbers after I've blocked them. They've called my daughter which I have no idea how they got her number. This is XXXX XXXX XXXX. The call comes across as " SCAM LIKELY. " : The caller states her name is XXXX XXXX. I've advised that my debt to XXXX XXXX XXXX was paid back in XX/XX/2017 and I have a pay off letter. She has threatened felonys and garnishment telling me they have my wage information. 

She is calling from.XXXX/XXXX/XXXX. 

States correspondence has been sent via mail which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early 2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that XXXX, XXXX XXXX XXXX had recently recalled their file and has been placed in RAS LaVrar Law Office . 

I received a letter dated XX/XX/XXXX, from RAS LaVrar Law Office attempting to collect. I attempted calling several times with no answer. XX/XX/XXXX, I sent letter asking RAS to cease contacting me. By tracking the number an Alert came up stating that delivery was attempted-no access to delivery location. Received another letter from RAS  on Saturday, XX/XX/XXXX stating that last date for payment is XX/XX/XXXX of {$18000.00} ( which I dont owe ). The following Monday XX/XX/XXXX I was able to talk with someone at RAS and explained to him that I dont owe this amount and that the case had already gone to court. 

I dont understand why XXXX XXXX. ( XXXX XXXX XXXX ) keeps harassing ( with different debt collectors ) me threatening to repossess any property and hold as collateral against meI think that XXXX is being vindictive about everything. Weve gone to court over the matter and a lien is against my property already. What the Court said that I owed was {$16000.00}, plus costs in the amount of {$190.00} totaling {$16000.00}. I dont owe the amount of {$18000.00} because Ive made payments also. How can anyone go above what the Court say and charge something different?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation