vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 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: PA

Complaint narrative:
Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since graduating from school in 2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS 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 2018-03-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I contacted the XXXX  credit bureau in writing and I asked XXXX  to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. 

Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. 

***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Westlake Services, LLC
State: SC

Complaint narrative:
I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this  derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX  removed these accounts from my credit on XX/XX/2016 for amt of {$380.00}, {$190.00}, {$250.00} and were never validated. They also have not sent me any notice as to reinserting this information onto my credit report which is required per If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I have yet to receive anything. Furthermore, the company is NOT licensed in the state of TN or bonded per the state regulations in Tennessee. You have to be licensed and bonded to collect any funds on collection accounts, as well as these accounts are well over 7 years old!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: MO

Complaint narrative:
I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I  live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX   and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of 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 2018-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX XXXX for XXXX loan. I had not realized the interest rate was over 300 %. Now in XX/XX/XXXX I have looked back over the five loans I have taken out and the service fees have been much higher than what was explained to me by the representative over the phone. For example, the loan disbursed in XX/XX/XXXX for {$500.00} had and immediate {$150.00} service fee added on to it before I even made a payment. 
Here is a list of loans to date amount borrowed and amount I paid back to pay in full. 
After first loan was paid in full I received weekly emails telling me I was approved for more money and to contact them. I added their email to my spam folder in XXXX and did not hear from them again. Due to full disclosure I did initiate the future loans through a phone call but was never told the high interest or amount I would b paying back. Due to the fact that I live in Pennsylvania ( I saw article online stating these companies can not operate in this state ) I would like the final payment of {$550.00} waived from paying this creditor. I have paid them a total of {$700.00} back on a {$500.00} loan to date. 

XX/XX/XXXX borrowed {$150.00} on XX/XX/XXXX paid off for total of {$220.00} XX/XX/XXXX borrowed {$300.00} on XX/XX/XXXX paid off in total {$450.00} XX/XX/XXXX borrowed {$500.00} on XX/XX/XXXX paid off {$800.00} XX/XX/XXXX borrowed {$800.00} on XX/XX/XXXX XXXX paid back {$1600.00} XX/XX/XXXX borrowed {$500.00} as XX/XX/XXXX still owe XXXX paid back {$700.00}, in conclusion, I would like one click cash investigated. The payment they attempted to pull from my bank on XX/XX/XXXX was flagged by my credit union due to it trying to pull from as account overseas. I called my back to release the payment. 
The reason for the concern is we found an article online about a settlement in XX/XX/XXXX about this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 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: OH

Complaint narrative:
I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am based out of XXXX. I hold an AMEX Platinum Reserve Card. During XXXX XXXX, AMEX conducted one promo where if card holder makes INR XXXX spend, qualified for INR XXXX worth gift voucher. I qualified for the same but never received the vouchers. 

I made numerous calls to AMEX support center in XX/XX/XXXX to get them send me the vouchers. Every time I hear from them that they sent the vouchers, but I never got it ( I was keenly checking my inbox and junk folder daily for the voucher arrival ). 

On XX/XX/XXXX, one of the representative sent the voucher from her personal email ID in which I first saw the voucher, which already expired on XX/XX/XXXX! 

Again I had spree of calls with their complaint escalation chain several times. They kept on delaying the response and every time come back with same answer of not providing me a valid voucher. 

I reached up to the top level of escalations. Now I somehow manged to get the call recordings of the calls I made to the customer support several times in XX/XX/XXXX. I need help to get the voucher which I am entitled to.

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

Complaint narrative:
I have so many information in my credit report such as names and employment and I have contacted and requested dispute to XXXX  but they never helped! please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. 

The financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. 

2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. 

3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. 

4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. 

5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.

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

Complaint narrative:
Im writing because I have exhausted all efforts to correct my information with Equifax and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Im writing because I have exhausted all efforts to correct my information with XXXX  and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC.
State: MS

Complaint narrative:
Reference my CFPB complaint, ID # XXXX, to Check into Cash INC., submitted on XX/XX/XXXX ; and Check into Cash INC. response to this CFPB complaint on XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX reported a Delinquent Account in Collection, from Check into Cash INC., to all three Credit Reporting Agencies. The First Date of Delinquency for this Collection Account is showing as XX/XX/XXXX. In my above referenced CFPB complaint, I requested Validation of this Collection Account from the Original Creditor, which is Check into Cash INC . In their response, Check into Cash INC. stated that the Delinquent Account has been recalled from XXXX XXXX XXXX, XXXX XXXX XXXX ; and my outstanding balance is forgiven. They also Validated the First Date of Delinquency is on or before XX/XX/XXXX, which was when they FIRST sent this Delinquent Account into Collection. 

Per the FCRA, based on the XXXX XXXX XXXX XXXX XXXX, which is on or before XX/XX/XXXX, this Collection Account is over 7 years old, therefore TOO OLD to be on my Credit Reports. XXXX XXXX XXXX, XXXX XXXX XXXX should have never sent this Collection Account to the Credit Reporting Agencies. 

Since Check into Cash INC. is the Original Creditor, they should furnish all three Credit Reporting Agencies { XXXX XXXX XXXX XXXX  } with  the Validated Date of First Delinquency, which is on or before XX/XX/XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, and/or Check into Cash INC. should have this Collection Account deleted from all three of my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Midwest Recovery Systems
State: SC

Complaint narrative:
Midwest Recovery Systems has placed information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo closed my son 's account, who is a minor without warning or explanation.

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