vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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: TX

Complaint narrative:
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This Wells Fargo Financial National Bank is undoubtedly recorded as a charged off account. I analyzed this the main reason why there's a balance showing on the file if it is a charge off? The balance is actually wrong, and the company need to reverse it to XXXX or remove the items certainly.

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I received a collection letter from Receivables Performance Management LLC dated XX/XX/XXXX stating I owe XXXX XXXX XXXX {$2000.00} for account XXXX. There is {$0.00} in the field for collection fees. I recently found the paperwork from XXXX XXXX XXXX dated XX/XX/XXXX stating the amount due is {$1700.00} for account XXXX. When I contacted the company earlier today and asked about the difference in the amount owed the agent from RPM just kept reinstating the settlement offer. I wonder how can the settlement offer be fair if the principal amount owed is incorrect. I am reporting this because I am not sure if this is just a clerical error or if the company is trying to collect more than what is owed to XXXX XXXX XXXX for Receivable Performance Management LLC profit. I don't this company taking advantage of people.

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 2018-05-01 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-05-01 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:
i did applied for a loans XXXX XXXX   XX/XX/XXXX, The Equifax report was seriously delinquent.credits obligations unpaid. I had called Equifax and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, Adress XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. Equifax advised me to call the collecting agent XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE. XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified Equifax, Equifax investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to XXXX XXXX   and still they repor Delinquency Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TX

Complaint narrative:
As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: OK

Complaint narrative:
I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.

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 2018-05-01 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: TX

Complaint narrative:
Wells Fargo added an insurance policy to my account in or around XX/XX/2016. I believe I have payed on that and want to make sure that I havent. I was insured through my own insurance and they should have never added me. I called and had them cancel it but I want to know how much I was charged for when I was double billed

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I was a victim of Identity Theft and notified the debt collector of this and the only debt verification they sent back to me was a BILL. As the law states this is NOT significant proof of debt validation further more I have never received such bill and the name on the bill is incorrect.

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 2018-05-01 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: GA

Complaint narrative:
I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: GA

Complaint narrative:
I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : 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 non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Merchants Automotive Group LLC
State: NH

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX have both sent me to collection agencies after I explained to them both I do not have the cards and are not using them. They need to do an investigation and look into my accounts that they have been taken without my knowledge. 

XXXX XXXX XXXX has reported to my credit, I willingly gave back my car after only 7 months of ownership and it stopped working and the warranty was not lived up to on there side. I could not afford to pay XXXX to fix a car thaty warranty covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to I C SYSTEM INC for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A I C SYSTEM INC ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2018-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and found several addresses and accounts that were not mine. I have filed a police report and even tried disputing the fraudulent accounts but have had no resolutions. Below I am listing the accounts and address that are false. 

Experian : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXXBalance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX/XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} XXXX Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} fraudulent addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ///XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA 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 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My mortgage payments have been made and processed, yet the servicing company repeatedly changed and " loses '' the payment and attempts to recollect with late fees. I must repeatedly go through extraordinary efforts to prove that payment was made and received in order for the fees to be reversed. This has happened on 3 separate occasions in less than 2 years. 

I believe that this is an attempt to scam money from mortgage holders who may have difficulty providing proof of payment promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I recently called in on XX/XX/XXXX or the XX/XX/XXXX I believe and I wanted to figure out how much my pay off would be if I paid on that day and how much it would be if I waited until the XX/XX/XXXX.  The lady proceeded to tell me that it would be around {$790.00} if I paid the loan off the day I had called and it would go down to {$650.00} if I waited for my next pay date which is XX/XX/XXXX. When I called back on XX/XX/XXXX the representative is telling me something different and she is quoting me a higher price. I asked to speak to a manager and she wasn't helpful at all and so she begins to tell me that my amortization schedule that is online is different than what it actually is because I had late payments, but my account is current. The manager told me that my account is accruing interest daily at 150 % and the price the other representative had told me was the price for that day. Which doesn't make sense because my balance should go down the closer I get to my payment date and according to the numbers she was giving me it was going up. Also according to what is online it states the amount the original person had told me when I called on XX/XX/XXXX. The manager also did not want to give out her manager 's information so that I could call or contact them in regard to this issue she stated there is no one else for me to talk to. I simply would like this issue resolved and have someone who knows the correct information when they give it to customers because everybody doesn't seem to be on the same page. I also find it very hard to believe that there isn't a different number to their corporate office when issues such as this arises.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation