vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/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 2018-07-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My account went unpaid with XXXX ( XXXX financing Visa card ) and it was sent to a debt collection agency called XXXX. 
I agreed to settle the account with XXXX For {$710.00} with reference number XXXX. I received the agreement from XXXX saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling XXXX I was told that this account has been transferred back to 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 2018-07-30 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: ERC
State: FL

Complaint narrative:
My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to 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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.

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 2018-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax/dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./I also dispute the following information in my file for XXXX XXXX XXXX/XXXX : these are incorrect : payment history, balance amount, date of last payment, date of last activity, amount past due, high credit, term./ I also dispute all late payment for XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.

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 2018-07-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: GA

Complaint narrative:
XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?

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 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. 

Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2018 - sent letter to car dealer and loan provider asking them to verify i accurate reporting on my credit file. 

XX/XX/XXXX- sent letters to XXXX , XXXX , and XXXX asking them to remove this from my credit file since i have recieved no reponse. 
after no reponse from loan holder i sent second letter demanding loan holder to provide me with valid documemtaion that they are reporting accurate information on my credit report. 

XXXX XXXX- lender sent me copy of original sales contract and title registeration, but didnt supply me with proof they followed law after repossession is what i requested of them! 


A lender must follow these rules after a vehicle repossession. 
1. A written notice of Sale within 10 days before propossed sale of car.

2. After a car is sold a lender is then required to send a second notice stating the amount that lender credited you from resale as well as a cancellation notice of the original sales contract.

I demanded proof that the repossession was legal in accordance with the UCC : 9-506 Effect of Errors or Omissions 9-611.Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Dispostion of Collateral 9-613 Contents and Form Of Notification Before Disposition of Collateral

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 2018-07-30 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: NV

Complaint narrative:
In XX/XX/2018 I checked my annual check report and found several errors. I had previously contacted XXXX XXXX XXXX by sending a dispute letter and they failed to respond. Therefore, I sent a dispute letter directly to the CRA Experian on XX/XX/2018 disputing this inaccurate reporting. 

Experian responded with the attached letter provided dated XX/XX/2018 without any information requested according to the F.C.R.A. 

Experian has avoided abiding by State and Federal laws in rersponding to the dispute and failing to supply the requested information by law.

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 2018-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/2018 Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. 
Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. 

XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/2018 XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX 's & XXXX 's account show NO payment received on XX/XX/18. 

-- XX/XX/18 XXXX 's & XXXX 's account show the payment ( {$240.00} ) received. 
( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. 


XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? 

XXXX & XXXX have no other bank account. 
XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. 

XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. 
He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. 
In the end the case was closed because XXXX won't expose the account # the amount was deposited to. 
XXXX gave up and agreed we go through the Legal Route.

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 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a loan with WELLS FARGO HM MORTGAG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO HM MORTGAG with no successful resolution.XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/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 2018-07-30 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: IN

Complaint narrative:
3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants

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 2018-07-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: IN

Complaint narrative:
3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants

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 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
this 3rd party company did not Validate this information with whomever is REPORTING this information about me and provide FULL DOCUMENTATION associated with this including my signature that contractually binds me to this account above. As asked in previous disputes to the CB they have yet to provide the information that i have asked for under my rights of the FCRA. they sent me one letter that has not verified no contracts signatures or anything and it looks like they typed the letter themselves they are harassing me by phone and via mail to collect a debt that i have no knowledge or and i have no idea how this company got and of my personal identifying information i have sent letters the the collections bureaus requesting validation which was received by all CBs because i sent via certified and i have all my return receipts i am sending directly to them via certified on XX/XX/2018 i have copies of all letters sent and information sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Hi I am having problems With my loan car payment with XXXX XXXX I get confused With my loan payment when I get the new car from XXXX XXXX  I told to set up for me with Auto payment first couple months was ok after I lost my bank card and I get new replacement card i called XXXX to set up for auto payment my new bank card they Told me that they can do that because is not theyre poulice to set auto payment after I told them I am a XXXX person and I am not good setting up auto payment by myself and I will forget making payment on the phone because I have problem remembering after they refused to set up auto payment and then I start missing some payment and sometimes they call me and I am worry about to give my information to the wrong people scams then they start charging me late payment {$400.00} hundred dollar every time I missed my car payment I can afford that much late payment {$400.00} dollars and my intrest is very high can anybody help me because they destroy my credit they make my life very difficult I have another credit I never missed one time payment

Company response to consumer: Closed with explanation