vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-02 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with Rapid Cash they told me I signed so I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: NY

Complaint narrative:
I have disputed this account several time the same account is reported   XXXX   on my credit report

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 2017-07-02 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with  XXXX   XXXX  they told me I signed so I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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 — Problem with personal statement of dispute
Company: Clarity Services
State: TX

Complaint narrative:
Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There is to much to list. Wells fargo. has totally used deceptive business practices. This has been going on for years. Wells fargo will hang up on me or change the subject and wont answer why they have charged me over {$20000.00} in just the last few years with fraudulent inefficient funds charges when the money was posted to my account and they have I have spent fortune with wells fargo and they have told me they would file disputes and never receive calls back from them. Wells fargo. I have gone into several branches after branch to be told they didn ; t know what to do because it was so overwhelming and I 'm told they saw I have a major law suits and didnt want to help me. Now I have all these new fraudulent charges on on XXXX of my accounts and wells fargo has totally cheated me out of thousands more and many of them they didnt even file as fraud or they hung up on me several times. I am not going to let this go and will go to media and I had aXX/XX/XXXXwith wells fargo playing with the kind of money Ive trusted them with. I want Justice and for someone to call me. I was told not to close my accounts because of all the money that has been taken from me and not returned from fraud. I am trying to handle this the right way but Ive been so XXXX XXXX and this has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You wont belive this and wells fargo can pull all this up with my account. I will sent all my ACCOUNT INFORMATION BUT WELLS FARGO HAS PULLED MUCH OFF LINE AND CHANGED ALL THEIR WEBSITE SO PEOPLE WONT REALIZE THEY ARE BEING STOLEN FROM.

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 2017-07-02 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: LEXISNEXIS
State: MS

Complaint narrative:
I contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: United Student Aid (USA) Funds
State: NC

Complaint narrative:
USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Basically They sued me over 11 years ago and still trying to collect im  XXXX  and have nothing ... I thought the statue was 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. <P/>XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: MS

Complaint narrative:
The loan was refinanced and the account online reflex paid in full. But I just got a derogatory comment on my report saying I was delinquent. The loan was refinanced in XX/XX/XXXX and I started attended college in XX/XX/XXXX. But I have a remark stating I 'm delinquent for XX/XX/XXXX-XX/XX/XXXX. I do n't understand why this company is still making credit report statements if the account states paid in full. I want to know what I have to do to never be involved with this company ever again. It 's like they revel in making credit worse, even though I 've made several attempts to try to make payments. But every time it 's the worst experience. I hope the company evolves to be work with individuals willing to make payments instead of giving the run around so they can make negative comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX XXXX Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XX/XX/XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5  years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 2017-07-02 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:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX and XXXX XXXX we obtained sometime in XX/XX/XXXX.  Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 2017-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In 2004 I took out a home loan with XXXX XXXX for {$310000.00}. It was given a XXXX number : XXXX with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX attn. of XXXX XXXX of the XXXX  XXXX XXXX XXXX , XXXX and ATTN : XXXX XXXX, CEO. According to XXXX  the alleged note was indorsed and transferred to XXXX, XXXX, XXXX, XXXX XXXX, and now CALIBER for servicing. The NOTE was transferred to XXXX XXXX under the US Government HAMP Program. It remains with XXXX XXXX and has not been indorsed over to any other lender. I have requested a copy of the original note from Caliber many times per Section 6 of RESPA and they have failed to provide it. I get the impression that this is all fraud and would like for the CFPB, the Attorney Generals involved, and the FBI to investigate and audit my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Freedom Mortgage is our current mortgage holder. We recently were interested in purchasing a new home and when we contacted Freedom about preapproval for a new loan we were denied on the basis that we had multiple late payments. Certain this was simply false, we have gone back into our online bank account and provided them proof that these said and recorded late payments were indeed not paid late or delinquent. And, in months where we have made 2 mortgage payments only one has been recorded on our payment history per Freedom Mortgage. The other payment is nonexistent in their account of our payment history. They refuse to accept our bank account documents, which they requested for proof, showing that this money has indeed been removed from our account as proof and continue to refer to their records stating we are indeed delinquent. This has not only tainted our credit scores but it has cost us thousands of dollars. Our home owners and auto insurance have doubled in the 2.5 years that they have started inaccurately recording us as delinquent to credit reporting agencies. We are looking for help to get our credit history correctly reported and recoup the thousands of dollars it has cost us. <P/>We are happy to provide you with our private bank statements if necessary to help you to appreciate our prompt and appropriate payment history. Freedom Mortgage has been provided these said documents at their request prior to our contacting you.

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.

Company response to consumer: Closed with explanation