vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: PA

Complaint narrative:
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.

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 2018-12-26 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: PA

Complaint narrative:
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: PA

Complaint narrative:
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.

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 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Select Portfolio Servicing Inc. stating that they have not serviced my loan for a year, so they said they don't have to respond to my request to release the lien for my mortgage.

SPS says they haven't serviced my loans for one year, but yet over the past few months due to my complaints I have filed with the Consumer Financial Protection Bureau, it has prompted SPS to finally respond to my numerous request for information and actions to release the lien for the mortgages due to the fact that the loans have been forgiven and extinguished under the Making Homes Affordable Program, or other means.

I believe my mortgage have been extinguished through the making homes affordable program and forgiven. The loans have been charged off. 

I am requesting a lien release for both mortgages. 

XXXX XXXX XXXX says they aren't the responsible party, and XXXX  XXXX XXXX says they aren't the responsible party, now SPS is saying they have not serviced my loan for a year? Who is responsible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
well i faught for my home for years im XXXX and on a fixed income and it all started when i got a loan with wells fargo in the beginig they some how was able to tack the other co owner off the title of the modualer home and he did not sighn any thing then they for got to put the lean on the home when morgage was done i filed banckrupsy and the judge awarded me the home free and clear thats when they really started doing things that i thot was not right they only had intrest in my land 29 acers my dee called for 46acers well i thinck if my double wide was free and clear they had no right to put inshurance on it and raise my payments noing i could not pay and cause they had no lawlfully right to inshure something they dont owne then get my payments behind i called and called begging them for a home modification they sold my loan to one of there under companys to make me thinck they were gon na help me i never got a welcome package they would not help me modifie my loan they waited tilll theallable time had went by to othow a short sale forclose on me and they did but this is the kicker i had 46 acers 4 deeds going back a 50years they sold a ll my land and they onnly had 29 acers on paper and what i payed taxes on leaned and they took my double wide and it burnt they got payed for inshurance to cover the loan pluse sold all my land and i really want to know how all that was leagealand raised my payments to XXXX more and me on ssi thats more than half mwell thats my whole monthly income wells fargo is dirty bad buissness i tried to save my home over time 2 banck rupsys forcloshure they finally got it and they had people comming out taking pitchers of my home not the land they had intrest in they totally disgarded a federal judges ruling cause they treated me like they owned my doublewide to so there it is i just pray they dont get to do this to any one else oh and by the way my land was prime vacation or retierment land it sourrounded the lake and i do remeber getting calls about my land being a time share i thinck they sold my land as a time share and then cause it was prvate and could be subsisided in to a gated community they are dirty banking wellls fargoall that federal bailout money and they wouldnt even give me a home modification and how was they able to collect inshurance money on the home dirty

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 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: MO

Complaint narrative:
I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.

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 2018-12-26 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: MO

Complaint narrative:
I did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.

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 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX Other Opened XX/XX/XXXX XXXX/XXXX  Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX 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 2018-12-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX   Closed Credit Card Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: IL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX 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 2018-12-26 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 had a crdeit card that was open under my name which was fraudelent.

i reached out to the credit card company in which they are affiliate with two other companies. They did an investigation and sent me a letter stating that the account was fraudelent. but the biggest problem i have now is that a hard inquiry is on my credit report.

ive been fighting with them to resolve this issue but it seems that Transunion and the credit card company keep blaming each other of the error.

the other two credit bureaus delete the item off my report. But Trans union refuse because of the letter i received from the credit card has a different name from the inquiry that is post on my account.

Neither of them is taking blame for this error.

i also wrote you as well about this incident and you forward it to the FDIC in which its not their field. i have a problem with the credit bureau ( TRANS UNION ), not the bank credit card name : 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 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
please refer to complaint No. XXXX XXXX XXXX v Capital one ( credit card ) my complaint is about Capital One, due to theirs abusive collections activities, in XXXX when my funds run out after a bank robbery that happened at work I happened to be the Branch Manager which by the way my employer has not taken responsibility for the incident. and after I explained the situation to capitol one, they promise to work with me ( but capitol one was demanding money that I didn't have ) I keep communication with the rep who was calling me and sideling I was sue. 
I have copy and paste the activity with the XXXX County Metropolitan Court, I also feel that the process was misleading due to how I was served documents, I have attached a file for your review ( Capitol one sent documents that were not file with the court ) please compare to what is was sent in the complaint number above. 
after these experience I learned that Capital One intentionally sent documents that weren't file with court causing me to believe it was too late to do anything for example after getting documents about a judgement, about a deposition, and when I called the court the court refer me to the law office ( left many voice mails without getting a call back } the law office who is listed as representing capitol one would not speak to me to give me information it almost felt like they had no intensions of working with me for example I spent a lot time calling them to make payments arrangements even after the judgment by error I was transfer to the attorney where he was obligated to transfer me to the gentlemen who is handling my case ( when made payments arrangements I was promise in writing about the payments arrangements I have not received anything and again I keep leaving voice mails never gotten a call back ) and by the way I have being making payments on this account, but none of the payments are being reported to credit report. 
I ALSO WANT TO ADD THE EVENT AFTER THE JUDGEMENT ON XX/XX/XXXX. CAPITAL ONE FILE A ABSTRACT JUDJUMENT WITH THE XXXX COUNTY ON OR ABOUT XX/XX/XXXX, in addition I RECEIVED DOCUMENTS FOR A DEPOSITION SCHEDULE WITH XXXX  XXXX XXXX, ( XX/XX/XXXX ) I FEEL THIS PROCESS IS VERY ABUSED FOR A CREDITCARD I FEEL THERE IS MORE TO THIS .... I ALSO FEEL THAT MY PRIVACY HAS BEEN CONPROMISE AND THE CAPITPOL CONTINUES TO SHARE MY PERSONAL INFORMATION INCLUDING XXXX  XXXX XXXX WHO HAD MY MORTGAGE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.

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 2018-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been going back and forth with CAP ONE AUTO FINANCE in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XX/XX/XXXX-received a call to pay remainder of debt by XXXX XXXX XXXX, I insisted the debt was paid in settlement on XX/XX/2017, which was ignored and alleged that a payment was not met. On XX/XX/XXXX-learned MCM failed to report accurate information to the credit bureau and to my account in an attempt to keep the debt open and active. Now, refuse to speak to me after I have obtain the validity of the settlement agreement MCM, XXXX XXXX made with Banks, XXXX and XXXX attorneys of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been going back and forth with XX/XX/XXXXXXXX XX/XX/XXXX in regards to a vehicle that has been XX/XX/XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

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 2018-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been going back and forth with XXXX  XXXX XXXX XXXX in regards to a vehicle that has been XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TX

Complaint narrative:
I have been going back and forth with XXXX XXXX XXXX XXXX in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

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 2018-12-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.

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 2018-12-26 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: NC

Complaint narrative:
A collection item with XXXX XXXX XXXX is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being  reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to 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 non-monetary relief