vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 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: IN

Complaint narrative:
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

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 2017-12-05 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I originally opened my account with Wells Fargo in XXXX XXXX as a result a scam that a home improvement contractor, XXXX XXXX, had inflicted on me, where he told me that a payment of {$4000.00} by check had bounced, so I wrote another check. The first check did n't bounce, and it was too late to stop payment on the second {$4000.00} check. So I opened an account at Wells Fargo where he did his banking, hoping to catch him depositing my check. I explained all this to the manager opening my account, asking what the minimum deposit would be for not incurring any fees. I did n't want to deal with this account other than the hope I was n't going to lose another {$4000.00}. He deposited the money elsewhere. I had such a bad experience with the whole job -- had to change my locks, filed a complaint, but did n't go to court -- I did n't want to think of him again. Now, 3 years later, I decided it was time to face it -- I would treat myself to my original monies I deposited into the bank. I thought it was {$1000.00}, but the bank said it was {$800.00}, so when I went to close the account on Fri XX/XX/XXXX, there was only {$460.00} remaining! {$340.00} in fees had been incurred. They argued that I had been getting statements all along, but emotionally, I could n't open them. After escalating the issue, they only returned 6 months of the fees, but I assert they misguided me when I first opened the account, as I wanted to deposit the minimum amount to have a fee-free account. I had 0 transactions with the bank, except for the opening and attempt to close on XXXX. Is there anything CFPB can do to 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 monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: NC

Complaint narrative:
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been a credit card holder with Capital One since XXXX. I paid my bill on time every month until XXXX. I had a very devastating financial hardship. As a single mother of XXXX small children, it was hard for me to find a job that fit my schedule, as I was very limited to child sitting resources. I had to constantly switch jobs just to fit my babysitters schedule, so it was hard to balance finances. Due to the problems I was having, I made a total of 5 late payments to Capital One. The last one was 5 months ago ( which was Capital One 's fault ). I 'm finally stable with a permanent job and stable income. I 'm in the process of fixing my credit so I can possibly become a homeowner in the next two years. On XXXX XXXX, XXXX, I emailed the CEO of Capital One a goodwill letter pleading to them to remove my late payments as they are really affecting my XXXXredit score tremendously. I received a call on Monday, XXXX XXXX, XXXX, stating that they WILL NOT remove my late payments for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TN

Complaint narrative:
Collections account of {$130.00} with XXXX XXXX XXXX was paid in full. Contacted TransUnion to have account removed from my credit report. I was told by the call rep that the account was removed and it has not.

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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I wrote a complaint to you guys for charges deducted from my account for items or charges never authorized by me, Wells Fargo respond saying that they will investigate the charges and after numerous phone calls to clerks or what they call specialist they have no conducted a fair investigation that have a lot to think abaud how Wells Fargo conduct business. Last time I call I request to speak to a supervisors and they told me that they call me back in 24 to 48 hours as of today I still waiting for the return phone call, They talk me that they received proof of my charges, I request that they can send me those charges and compare my signature if they have something and they never send me the proof that they received. I 'm a XXXX years old man trying to fight this monster call Wells Fargo that the thieves have more credibility than a customer for the last 40 years. 
I will like to take this complaint to highter level and alto take Wells Fargo to small claim court because if they can not give me the proof maybe they can provide to the court.. 
Is very difficult to defend went you do n't have nothing. The thieves or crooks they did't left me a backup to present to the Bank. 
This is the second complaint about this matter and hope Wells Fargo can do their job. 
If they can prove to me that I authorized those charges I do n't a problem paying for service that I received but ca n't pay for service that I did n't received. 
I hope you can intercede to resolve this matter and I 'm attaching the only documents that I have. 
Also request that they call any car rental in XXXX XXXX for a week rental so that they can compare those charges. Normally they charge between XXXX to XXXX. 
If you need more information please call me at 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 2017-12-05 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: NC

Complaint narrative:
I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: IL

Complaint narrative:
I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I closed and paid off my American Express XXXX XXXX XXXX in XX/XX/XXXX. There was a credit balance of {$24.00} that was due back to me because of an overpayment. As of today XX/XX/XXXX I have not received a refund. One has been requested twice both by phone and online using the American Express XXXX application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion removed XXXX ( an account that I have disputed multiple times ) and added it back to my report without notifying me.

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 2017-12-05 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: WI

Complaint narrative:
As a consumer I know my rights when it comes to inaccurate information on my credit reports. Transunion has added multiple inquires on my report in the past months that I did authorize. I have placed fraud alerts on my accounts and security freezes just to prevent this on going issue from happening again. I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX aswell as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

XXXX XXXX from XXXX XXXX, XXXX + Finance Nfcu/visa Inquiry from XXXX XXXX, XXXX + Finance Discover Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Landmark Cu- Inquiry from XXXX XXXX, XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX Inquiry from 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 2017-12-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: NC

Complaint narrative:
I sent a dispute letter to experian requesting that they remove inaccurate information from my report and within 30 days they would have to furnish proof that the info was mine or delete it. They sent me a letter stating they were not going to investigate those items. The 30 days have expired and I want them removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: LA

Complaint narrative:
i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: MI

Complaint narrative:
I have been in an ongoing dispute with Transunion, XXXX XXXX and now XXXX XXXX. the initial problem started when XXXX XXXX reported me as 30 days late, which I was not. Transunion lowered my score by 32 points. I contacted XXXX XXXX and was only referred to Transunion and to date I have nothing. Now XX/XX/2017 I have another battle with XXXX XXXX over a misapplied payment and Transunion lowered my score by 45 points. This is a scam and Transunion should not be allowed to get away with it. I simply do not understand how my score can be lowered by so much for a missed payment but when my payments are made on time I barely get 5 points. I need to see the scale that is being used becuase I feel scammed. I can never get anywhere with transunion. Their customer service is horrible.

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