vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 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: CA

Complaint narrative:
I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Risecredit, LLC
State: ID

Complaint narrative:
Aut9mated accounts original creditors name 05 XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is {$1100.00} with high balance shown as $ XXXX monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: SECURITY FINANCE CORP
State: ID

Complaint narrative:
Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is  {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.

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 2018-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Certified Credit Reporting, Inc.
State: TX

Complaint narrative:
I would like to have my old account that I no longer used and have already paid {$370.00} to XXXX XXXX years ago in order To unlock from XXXX XXXX so I can used XXXX XXXX. XXXX XXXX will not activate any phone that is not paid off or unlock. As of today I am still using the same XXXX XXXX phones with XXXX XXXX. Please have this {$370.00} item remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: WI

Complaint narrative:
Received 2 voicemails this week from XXXX XXXX XXXX  to speak with me regarding a loan taken out by a relative they named in the voicemail message, and to discussed resolving this 'voluntarily. ' I have never co-signed for this relative for a loan. I never received anything in writing from this company, or any company they might be representing indicating what is supposedly owed. My spouse tried to call them several times today, but they did not answer. They are listed with the BBB, but with numerous complaints. I suspect this to be a scam which should be reported to law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: FL

Complaint narrative:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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 2018-01-27 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: FL

Complaint narrative:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: FL

Complaint narrative:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: WA

Complaint narrative:
Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.

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 2018-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: MI

Complaint narrative:
Dear Supervisor, Today I went to my branch to remove the excess funds from my account which has been closed. Prior to my account being closed there was {$1000.00} deposited! I desire the account closed and for my excess in funds mailed to me as soon as possible. The branch told me to call customer service in XXXX Oregon. Because they had nothing to do with the account? This doesn't make any sense but customer service on the phone told me to go to the branch. It seems no one is aware of the proper procedures. 
Just return my excess funds in the account as soon as possible.

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 2018-01-27 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Ive reached out several of times to this company to resolve this issue but to no avail theyve yet to correct this issue. They are still reporting an paid account on my credit and its hurting my credit score every time they report it. Its shwoing a negative impact and its hurtinh me financially and causing great stress in my life as Im in the process of the home buying program and this negative impact is affecting me financially and emotionally. I need this removed from my credit, if we cant resolve this issue I will forward this information over to my attorney and I will be filing a lawd for damages and wages. I will also report this issue to the BBB and reach out to the local media about this company. I will file complaint after complaint until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
XX/XX/XXXX, I created an account with Western Union in order to transfer money overseas. After setting up my account I was approved for a {$10000.00} money transfer. Before my account was fully activated they said they would allow 1 wire transfer. 

On XX/XX/XXXX, I go into my bank wire a total of {$4400.00} into the bank account given by Western Union via email. 
On the same day after the money transfer I call western union to confirm the transfer and activation of my account, they said to call back tomorrow if I don't get an email confirming by tomorrow. 

On XX/XX/XXXX, I called back Western Union because, I did not see a confirmation email and after giving all my account information, full name, date of birth, mothers maiden name they tell me my account has be canceled from the " higher-ups. '' Without reason why, they wouldn't transfer me to a supervisor. They didn't offer me a refund. He said, there's nothing I can do and terminated the call. 

So now, I am out {$4400.00} for a service western union failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Phoenix Financial Services LLC
State: SC

Complaint narrative:
Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: AmeriCollect
State: SC

Complaint narrative:
Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Debt has already been taken care of in case ; Needs to be immediately removed from credit report. Company should've never purchased this debt. When there is no debt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.

Company response to consumer: Closed with explanation