vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
. Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named " XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer " proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. " did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ XXXX.... XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP

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 2018-03-09 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: NY

Complaint narrative:
I show a hard inquiry in my credit report from the following : XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX When I tried to call number disconnected. A XXXX search reveals they have been doing this to many people. The XXXX XXXX XXXX XXXX XXXX has a note on their website about this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

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 2018-03-09 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: BTH Management
State: TX

Complaint narrative:
I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I XXXX XXXX XXXX pulled my credit information and noticed Works and Lentz Law Firm In XXXX Oklahoma has been reporting false information on my credit report. I have the case in XXXX Court filed on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX that case was dismissed by Judge XXXX XXXX XXXX on XX/XX/XXXX for the foregoing amounts which are still on my credit to this day amount {$2600.00} was opened on XX/XX/XXXX, another in the amount {$140.00} opened on XX/XX/XXXX, another in the amount {$100.00} opened XX/XX/XXXX, another in the amount of {$100.00} opened on XX/XX/XXXX these are on my credit report to this day. This is case # XXXX, XXXX County, I Could not figure out why I am unable to buy a home a car or anything, my credit has been ruined since XXXX, this is three years of ruined credit that is {$3000.00} this is a Violation under so many FDCPA Laws and Fair Credit Reporting Act. I would appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently XXXX XXXX XXXX XXXX XXXX My current legal name XXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted XXXX XXXX, Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.

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 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XX/XX/2018 I transfer {$2900.00} through Western Union to the XXXX XXXX, from my bank account online. They withrawed the money from my bank and said the money was available. When my sister in law went to pick the money up they refused to give her the money. They did a change on their system on which my receiver last name appears as a middle name and middle name as last name. They stopped the transfer and they would not fix the problem or let me fixe it on my end. They cancelled my transfer and it's going to take 7 days for my money to be deposited back to my bank account. It's a very sad situation in which this company is playing with my hard earned money. I believe there are many customers with the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Unauthorized charges were made to my credit card. They were reversed but charges remained that should have been reversed ie late charges and interest. The company has called me 4times and I have explained this to them and told them I would file suit if they turned this inacurate information into the credit bureau. The card has not been used by me in over 2 years. There is apparently still a balance due but it is not owed by me yet they turned it in to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company

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 2018-03-09 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX  and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX  with a signature that does not belong to me and XXXX XXXX  transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I received a statement saying they are now servicing my home loan. I responded that I currently have 2 forclosure cases going on at same time. One from XXXX and 1 from XXXX for same exact thing and I do not acknowledge this dept. They responded with a package of " my loan documents '' and claim I do in fact owe them the debt. I decided to go through what they sent me page by page and compare it to the documents submitted in XXXX case and XXXX case. In XXXX papers a blank undated allonge appeared that was stamped by XXXX XXXX and a transfer of mortgage signed by XXXX XXXX. Both are known, prosecuted robot signers and document makers. But the entire package from shellpoint doesn't match anything. All the documents are fakes. All forged. Signatures arent even in same orders. XXXX # XXXX. Can mail copies if needed too many to upload. If they produce them you can compare to acris and bringing all copies to judge in XXXX supreme court on XX/XX/XXXX @ XXXX XXXX  rm XXXX doc. Number 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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a po box for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins ....

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 2018-03-09 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: VA

Complaint narrative:
XXXX XXXX CREDIT cards and XXXX  XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account XXXX : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA XXXX I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

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 2018-03-09 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: VA

Complaint narrative:
XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: VA

Complaint narrative:
XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

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