vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 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: NC

Complaint narrative:
On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: DC

Complaint narrative:
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX Experian- XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , 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 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates Llc is trying to sue me for a debt which I do not have proof I owe and they are not licensed in my state ( Arkansas ) to sue for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I am a customer of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has payments due every day of the month for their leasing and financing customers. If a payment date is on a holiday or a weekend it is absolutely not possible for their customers { me } to make a payment whether it be via phone or internet. 

Most people will pay their payment on the due date but will not be able to if on a holiday or weekend with Lincolns set-up ; thus this is a clear case of penalization for profit as XXXX XXXX XXXX XXXX charges late fees when a payment is made after the due date whether or whether. 

XXXX XXXX XXXX XXXX needs to change their ways like other institutions and play fair. Thus far they are not. Honestly, until today I didnt think that there were any financial institutions stupid enough to do what XXXX XXXX XXXX XXXX is doing. 

I do hope that with this complaint the Consumer Financial Protection Bureau severely sanction XXXX XXXX XXXX XXXX as no one should be taken advantage in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: VA

Complaint narrative:
I have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX sent, via regular mail, without my signature required, a NOTICE OF INTENTION TO FILE A LAWSUIT pursuant to Civil Code Procedure 1033 ( b ) ( 2 ) in a Supreme Court for a debt of {$950.00} with a date of default of XXXX/XXXX/XXXX in correspondence under California Law. 

I called the company and only received voice recordings. On XXXX XXXX, XXXX, I spoke with a customer service representative from The Offices of XXXX & XXXX : I indicated I disputed a previous debt with the fraudulent creditor - Cash Central. The Office of Attorney General was contacted regarding this matter. 

On XXXX XXXX, XXXX, I requested written verification of this debt, which The Offices of XXXX & XXXX could not provide, and I indicated a previous dispute of this debt, fraudulent debt, and unfair debt collection practice - past the statute of limitations in the state of California, as they are operating under California Law, and past the statute of limitations for my state of Pennsylvania. The customer service representative refused to be of assistance, yelled at me, and attempted to dominate the conversation. 

No information that was correct could be provided to me verbally or in writing. I stated I am disputing this debt for the second time, and I am filing a consumer complaint with the California Attorney General. I completed this Attorney General Complaint and sent it to the Attorney General, as well as XXXX XXXX XXXX XXXX XXXX XXXX. They were also emailed about the dispute. 

I have written documentation of all the above information sent to this debt collection agency and Attorney General. This debt collector and creditor - Cash Central - need investigated for fraud and unfair debt collection practices. 

Investigation needed on both entities below regarding the above matter : Cash Central Represented By : The Offices of XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I recently pulled a credit report and saw that Credit Collections USA is reporting to be collecting on an alleged debt. After research, according to the Florida office of XXXX Regulations, they are not licensed in the state Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TX

Complaint narrative:
The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late 0/0/0

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TX

Complaint narrative:
These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX {$3800.00} XXXX XXXX XXXX FINANCENeeds Attention Last reported : XXXX XXXX, XXXX {$3000.00} In Collections/Charge-off XXXX XXXX XXXX XXXX NA Closed : XXXX XXXX, XXXX {$1000.00} Closed XXXX XXXX XXXX Closed : XXXX XXXX, XXXX {$200.00} Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recover, LLC
State: FL

Complaint narrative:
I have received a letter from Rent Recover of XXXX XXXX XXXX dated of XX/XX/XXXX saying that they placed me for collections on XX/XX/XXXX because I didnot pay the amount of {$6000.00} to The Tides at XXXX XXXX, XXXX for rent. 
I dont know anything about that. I dont even know where The Tides at XXXX XXXX, XXXX is located. 
I called Rent Recover of XXXX XXXX XXXX to know how they found my information, they kept asking me if I know XXXX. I told them no I dont, they said that they see that I co- signed a lease for someone in XXXX. They continued to say that they saw that I paid a certain amount in XXXX to take off my name from the lease. I didnt pay any money to any one take off my name from a lease.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had done a modification in XXXX. And my first payment was on XXXX .and on XXXX/XXXX/XXXX I recast my loan with Wells Fargo to be in a fixed rate because I knew my rate was going to go up being in this modification. And when you recast your loan the rate stays fixed and the term stays the same the entire loan The payment is what gets lowered. As all this infomation is on Wells Fargo papers too. 
XXXX XXXX is trying to do a fraudrulent act on my loan saying I am still in the modification That 's why it 's going up. Well that not true at all there causing a fraudrulent act on my loan And I want them prosicuted to the fullness extent. And I want Wells Fargo to pay my loan in full due to they are trying to Cause a fraudrulent act on my loan. And I am not the only one Wells Fargo has done this to its all online in the news what Wells Fargo is doing. 
They need to be put out of business how dear Of them do this to my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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:
This account below has been deleted from my credit report twice and readded. i have provided in a past the XXXX XXXX for this debt. it should be de ; letd again from my report. it is also more than 7 years old. not sure what equifax is doing on credit reports but alot of the information on my report is missing or readded debts that are mines. 

XXXX XXXX {$7600.00} Closed Overview You 're currently using 254 % of your account 's limit. 
Balance {$7600.00} Credit limit {$3000.00} Minimum monthly payment {$7600.00} Opened XXXX XXXX, XXXX ( 6 yrs, 5 mos ) Payment History Youve made 71 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$7600.00} Worst Payment Status No Info Account Details

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have tried to gather proof that the debt was mine such as some form of picture identity and signature but the company have refused to grant my request

Company response to consumer: Closed with explanation