vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car was repossessed due to an error on the behave of Wells Fargo Auto CPI Payment Program, They applied unnecessary CPI charges to my loan. The charges associated with this CPI policy have contributed to my car being illegally repossessed and my credit being destroyed for the last 4 years, They try to apologize about the error and try to offer me a check for {$4300.00}. They Kept {$6700.00} and claimed they applied this to unpaid repossession or for the difference I would have received if I would have sold the car I have never received any paperwork or documents of proof of where this money was applied this account has been charged off and Wells forgo already received a credit for this I don't have an account to update so they are pocketing the money and I am out of my {$4000.00} downpayment and {$2500.00} custom wheels and tires I had on the car when the vehicle was illegally repossessed

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 2019-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received this statement from Equifax about removing the public record on my credit report, they said that I used a credit repair company. This is an assumption that is false and inaccurate. I did my own dispute on the cfpb website. 


The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/personal/disputes if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: TX

Complaint narrative:
Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: FL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was charged a {$19.00} member fee from Capital One in XX/XX/2018. I was not notified of this, and had not used the card at all for months prior. Three months later ( XX/XX/2018 ), they reported me to the credit bureau for not paying what was now a bill of {$110.00} due to late fees.

This drastically dropped my credit score and has prevented me from buying a house. I do not think this is justified because I have never made a late payment before and I paid the full fee of {$110.00} on XX/XX/2018 immediately after realizing I had an unpaid balance. 

I would like this removed from my credit report as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I currently owe {$6700.00} on my Wal-Mart MasterCard Credit Card and for sometime already I have been struggling to make ends meet and catch up with past due amounts. To date I have not received any options or program offers to assist me with getting back on track and clear any negative status.

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Credit & Collection Corporation
State: TN

Complaint narrative:
XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had XXXX on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad XXXX three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: AES/PHEAA
State: GA

Complaint narrative:
Dates of Service : XX/XX/2012 - XX/XX/2012. Didn't attend for months specified on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
chase contacted me and was offering a 70 % paying {$1500.00} reduction in balanced owed but the payment is to high for me to pay in 3 months @ XXXX $ - i asked to extend it to 4 months to bring price down to {$380.00} for me to afford payments and they will not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been trying to work on my credit and I have not received any mail from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

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 2019-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

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 2019-03-07 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: IA

Complaint narrative:
A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX   and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY XXXX XXXX DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS 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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XX/XX/XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had died on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and  whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad dies three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.

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 2019-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In XXXX, I co-signed for a student loan for my son through XXXX XXXX XXXX XXXX, and began to make monthly payments on the loan. I also acquired loans for the years XXXX and XXXX from XXXX XXXX XXXX XXXX with the same terms that repayment would commence within 60 days. Each loan had a 177 payments maturity terms. The Sallie Mae Corporation acquired the loan portfolio from XXXX XXXX XXXX XXXX some time after XXXX, and I began to send the monthly payments to Sallie Mae instead of XXXX XXXX XXXX XXXX. I continued to send the payments to Sallie Mae ( now Navient ) through XXXX. My son graduated from college in XXXX. At that time, ha assumed the loan payments, but was sporadic in making the payments. Because I was a co-signer, this was affecting my credit, so in XXXX, I decided to resume payment of the loans myself. In XXXX, while applying for a home loan, I discovered that apparently, Sallie Mae had given me " zero '' credit for my payments to XXXX XXXX XXXX XXXX. This was determined by the balances stated on Residential Loan application, when comparing the remaining months of the loans and the loan balances. I have attempted to reconcile this situation with Navient for years with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I have never purchased jewelry in my life. This company is trying to scam me and adversely impacting my credit. You can check my credit history and you will see I have always paid my debts. There was originally two different jewelry companies showing purchases by me, but one removed their claim after I talked to them, however one has not. XXXX XXXX will issue anyone a card in anyones name through a company called XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to Equifax requesting removal of a fraud alert with copies of documents requested attached. I received a letter back from them dated XX/XX/2019 stating " we are unable to locate a credit file in our database with the identification information provided ''. This was a second request and a second same response from them. I also tried calling them and was told over the phone what documents to send in ( which I had already done ) .I then went online, requested a copy of my credit report, which I printed and did a dispute over having the fraud alert removed. This was done on XX/XX/2019. Today,XXXX I receive an email from them saying the dispute was completed and to click to view the results.It said " the information you provided does not match our records '' .I contacted both XXXX and XXXX and had no problem removing the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: WA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX XXXX, partial account numbers XXXX ; XXXX ; XXXX and XXXX. I have contacted the bureau and requested these items be deleted or the coding corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-07 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: CA

Complaint narrative:
Submitted to have inquires removed by certify mail and got no response

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 2019-03-07 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: Credit Karma, LLC
State: MS

Complaint narrative:
My student loans are closed but its constantly also saying on my report it is increasing it made my credit score go down over 30 points from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted to have inquires removed by certify mail and got no response

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 2019-03-07 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: CA

Complaint narrative:
Submitted to have inquires removed by certify mail and got no response

Company response to consumer: Closed with non-monetary relief