vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: SC

Complaint narrative:
On XX/XX/2018 Transunion is verifying an account as accurate on my Credit Report with the Agency name XXXX XXXX XXXX XXXX XXXX  but the Credit information disputed is XXXX XXXX. I have never owned an account from an agency named XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This information is Wrong please fix this problem Thanks.

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 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
debt was a medical bill for daughters XXXX XXXX I had to fight with insurance company to get the money which was put into collections. This was paid and still it shows XX/XX/XXXX it was not. I have letter stating it will not be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: BANK OF THE WEST
State: CA

Complaint narrative:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

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 2018-09-18 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: ACRANET INC
State: CA

Complaint narrative:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Technologies, Inc.
State: CA

Complaint narrative:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: FL

Complaint narrative:
XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: OK

Complaint narrative:
I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CORELOGIC INC
State: CA

Complaint narrative:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

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 2018-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My property foreclosed, the was sold, the HELOC holder, SLS is still Asking me for money. When the house foreclosed, the loans was extinguished. SLS has placed it on my credit report, it is ruining my credit. SLS was offered to communicate with the primary lender at the time of foreclosure, but they refused.

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 2018-09-18 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: FL

Complaint narrative:
XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report 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 non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been contacting Wells Fargo Office of the President for the last 3-4 months trying to get a letter from them. The dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times because they kept transferring my call to someone else and/or hanging up ), XX/XX/XXXX and today XX/XX/XXXX ( 2 times ... counting the time the branch manager at Wells Fargo called requesting a payoff amount for the vehicle that was charged off ). Me and my husband is in the process of purchasing a home and our closing date was set for this week but unfortunately, we have to extend it because Wells Fargo Dealership Services and the Wells Fargo Office of the President group won't accept a payoff nor will they update my credit report to reflect being a closed account with a charge off. 

On the credit report it is incorrectly reporting to all bureaus ; mainly XXXX because my lenders are a branch of them. It states that the account is charged off but it also is posting as an active account showing that I am late each month. Also, the branch manager at the Wells Fargo located on the XXXX of   XXXX stated that the payoff amount quoted is {$0.00} because the account is past the statue of limitation but their intention is to keep a balance showing on my credit report of {$5900.00} to keep us for qualifying for the home loan. 

As I continued talking to the customer service representative ( s ) for Wells Fargo Office of President, I asked if they could remove the disputes from my credit report and give me a letter to present to my mortgage lender noting that they are working on removing and clearing them off. This account as wells fargo mentioned is past the statue of limitations too. It should have been removed a long time ago! 

In addition to how Wells Fargo is reporting on my credit report, they were sued by the courts and had proposed to remediate auto loan customers of Wells Fargo Dealers Services who may have been financially harmed due to issues related to auto Collateral Protection Insurance ( CPI ) policies. I attached that letter for your review. I was one of the customers impacted by the incident. On the second page of the attached document and the last paragraph on that page it notes that Wells Fargo will work with the credit bureaus to correct customers ' credit records.

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 2018-09-18 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
America Express Serve is horrible prepaid company. Everytime I use their card at the register and ATM I get nervous. The reason why because XX/XX/2018 purchased items card denied. Went to withdraw XXXX dollars but did not dispense but my online account for American Express Serv show the transaction did go through. I called the rep and dispute initiated. They said systems been upgrading since XXXX and that I'm not the only with this issue. Went through XXXX to get my money back was last cash I had and then this happen. Second XX/XX/2018 went to withdraw money and again did not dispense my money immediately logged online because I knew what it was going to say. Guess what yes it did say XXXX went through. I have receipt here for evidence. They have very bad reviews on XXXX and apparently I am not the only one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 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: FACTUAL DATA CORP.
State: CA

Complaint narrative:
This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
Today is Tuesday XX/XX/2018. I have a letter from Alpha Recovery Corp ( XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, CO XXXX - XXXX ). I followed the directions written in their letter to satisfy my debt by going to their website ( www.alpharecoverycorp.com ). I followed the prompts and set up my payment for account # XXXX in the amount of {$740.00}. After the payment was made the site stated that if I wanted a receipt to call their number and ask for one, so I called the number as directed. 
After getting a agent on the phone she said that I couldn't have made a payment because they do not have my account. That is after I went one their site found the account and paid the amount in full. I told her this, she became rude, angry and transferred me to the manager. I told my problem again to the manager, the same result, however this time she just hung up. I still don't have my receipt for my payment. 
I called back a third time and left a complaint with the compliance manager of the company via voice message. 
I have not gotten a call back and still do not have my receipt. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: PA

Complaint narrative:
The said company has sent a " signature '' apparently of myself with a orthodontists office which is in question. 

The complaint is that I owe NO money to RRS. I am asking for proof that we have a signed contract together and that I owe them money. 

To date, they have not shown me such document ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
On XX/XX/18 my husband obtained an installment loan with Credit Central for {$1400.00} and paid it off in full on XX/XX/2018. I have nor my husband have not had any other loan or done any other business with Credit CentraXXXX since. On XX/XX/182018 an employee of Credit Central knocked on my door at my home asking for my husband and stating that he obtained a loan in XXXX. My daughter informed her that XXXX XXXX was not home to which she stated that someone needed to call him. My daughter told her that she would not be calling him and attempted to close the screen door but the employee stopped the door and stated that either we could call him or she would just be sitting outside. She walked back to her car screaming get him on the phone with explicits and my daughter closed the door. I walked outside and informed her we did not have an active loan and asked her to leave my yard. She begin yelling explicits and stating you should have paid your loan. She then proceeded to degraded me call me broke and even went as low as to calling me XXXX slurs. By this time my neighbors had come outside. The whole thing was highly embarrassing. As she drove away she rolled down her window and stated that she would be back and have her guys with her. I have never been through such a disturbing experience in my own home. I called the store to which they admitted that we did not have an active loan and they were looking for a family member who does not live in my home. The way they degraded me and my family and even threatened to come back to do it again is unacceptable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: TX

Complaint narrative:
On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX I have also sent copies of debt validation letters to XXXX XXXX  and Transunion only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.

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 2018-09-18 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:
On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX. I have also sent copies of debt validation letters to Exquifax XXXX   and XXXX  only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX  has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX  case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CA

Complaint narrative:
On XX/XX/2018 I contacted Equifax about an ongoing ID Theft Case that had already been reported to their company on my personal credit report. I was advised by the customer service agent to fax all supporting documents to substantiate my claim to XXXX. He advised me that the investigation would take 30 days and that I should submit my documentation during that time frame. On XX/XX/2018 I faxed my police report, FTC Fraud affidavit, ID, Social security card, proof of current address and proof of address at the time of incident as advised to XXXX. My FTC Fraud affidavit specifically outlined the name of the accounts in dispute, the account numbers reported, and the amounts disputed. A few weeks later I received a letter from Equifax dated XX/XX/2018 stating the following " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. '' This is totally unacceptable and obviously a stall in the process of doing what I SPECIFICALLY asked them to do. Attached you will see the FTC affidavit that lists the account names, numbers and nature of the dispute as they asked WITHIN the specified time frame from my original call on XX/XX/2018.

Company response to consumer: Closed with explanation