vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: GA

Complaint narrative:
Equifax just responded to my complaint about numerouse hard inquiries that are not true. Ive called these people just as equifax advised and have been told they did not report any thing about me that I need to contact equifax who will not acknowledge I am me. the cfpa site is my only means of contacting equifax. Even though supposed inquiring company has no record of these inquiries Equifax is holding firm that there imaginary records are factual and that Im mistaken. Im getting nowere. I really dont want to get a lawyer or file in small claims court as Im terminally ill. Equifaxes identifying info about my birthdate and other identifing info is also incorrect as well as the fact they have multiple files on me for some reason. I was also part of there data breach and Equifax feels its resonable to demand I provide Drivers license, S.S. card, Birth Certificate when they have already given my info to supposed hackers. I also find it supiciouse that equifaxes version of life lock came out near the time of there breach. Awfully convienient if you ask me. How do I get resonable reply from equifax? I want to see these applications for credit and what is making them believe I have applied for XXXX cards automobiles, etc. Please show me were Ive done any of this. Also companies are telling me that they have nothing to do with these inquiries. Cant we have a conference call so everybody can verify Equifax has some how generated things out of thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Its unfortunate that you believe me to be an imbecile, im well aware of how the CRAs operate and that they can not make any changes to an account without the express authorization of a creditor, which means that XXXX had to give XXXX express instructions to Delete or Suppress the account. Now under the statue of good faith I hope that you will see reason in this final attempt for a just outcome. I do ask for your understanding, I was young and dumb when I first got the car ; and im not asking you todo anything that hasnt already been done on your part. Right now im XXXX and im trying get my 1st house, and a new car however I cant do that because this single account is holding me back by 200+ points on my credit report. Once again I plead with you to see reason as I would not like to take you all to court ; I will unfortunately be forced to seek legal counsel in pending litigation of small claims court and the attorney general if we cant come to terms. 

Now under Section 623 ( a ) ( 2 ) of the FCRA If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Which means that as of XX/XX/18 when Toyota reported to XXXX to have the account Deleted or Suppressed that same information should have been sent and updated to all the bureaus. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if I do not hear back from you within 15 days Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc.
State: VA

Complaint narrative:
Vanguard reporting a unkown debt they claim I own to XXXX and refuse to validate this debt. They are reporting the account twice for the same amount.I have tried to resolve this by phone poor customer service over the phone sent dispute certified but no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Roquemore Holdings LLC
State: IN

Complaint narrative:
I was contacted by the XXXX XXXX XXXX XXXX XXXX several times by a person identifying herself as XXXX XXXX, trying to get information. XXXX then called and harrased my XXXX+ year old parents telling them she wanted to help me which upset them because they thought something terrible had happened to me and caused my father to have health issues. Then XXXX called my work putting my job in jeopardy which eventually led to my termination. They also called my apartment complex and put me at risk for eviction and ruining my chances of employment with them as I had recently applied for a job with them. XXXX XXXX XXXX and XXXX XXXX destroyed any chance I had at making a living and then repossessed my car. They didn't give me any information such as where the car was taken or how I could settle the issue and get the car back. This should be regarded as harassment and should also be regarded as deffimation of character. I have also endured pain and suffering due to the loss of income and stress. I was only behind on 2 or 3 month 's of payments. I was then informed that the loan was discharged and settled with an insurance company. I received a letter saying that the loan was discharged and the account was closed. I had paid {$18000.00} for a used {$3000.00} car so I thought the loan was considered paid off and I was waiting for my title to arrive but it never did. When I tried to contact the Credit Union about it they told me it was up to the insurance company now but they couldn't give me any contact information. This type of collection practice and loan activity should be illegal and I expect full compensation for pain and suffering plus loss of income.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I hired XXXX to help me with improving my credit. When I called to terminate their service, They tried to add a hiring fee. I am paid up with this company and they wont terminate their service with me. I had to pay XXXX dollars to stop any future payments withdrawn from my checking account. I don't need their services anymore and need help from this company from taking my money. Thank you if you can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: FL

Complaint narrative:
I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: FL

Complaint narrative:
I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.

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 2018-05-30 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: FL

Complaint narrative:
I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.

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 2018-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I made transfer to myself by mistake on XX/XX/XXXX in the amount of {$72.00}. I then call in on XX/XX/XXXX once I realize the mistake and the fund has not been return to me.On XX/XX/XXXX Western Union responded to my complaint saying send the a copy of my bank statement that I provided them on XX/XX/XXXX and re email it in XX/XX/XXXX do to the fact that I did not hear back from them. So I call back on XX/XX/XXXX the customer service rep stated that it was received on XX/XX/XXXX and if it wasn't refunded by XX/XX/XXXX. To give a call back that I didn't and another customer service rep said that it has not been work on give them today it been well over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such. 

This collection account should be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I submitted a request for loss mitigation to review for options. I want to keep my home. I send Wells Fargo Home Mortgage an complete application on XX/XX/XXXX. I called to check the status of my case on XX/XX/XXXX. I spoke with XXXX # XXXX at Well Fargo Home Mortgage. He informed that they did not open a review. He stated there is a Sale Date on my home for 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 2018-05-30 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: IL

Complaint narrative:
A credit card with XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was opened in my name without my knowledge or consent. I never filled out an application ... i had never even been on their site. When I received their credit card in the mail, I not only immediately checked my credit report and put out a fraud alert, I also contacted XXXX directly. I had to leave a message with their customer service department because the fraud department was unavailable. Approx. 2 weeks later, I received a letter in the mail stating that the account was sound ... meaning they didn't ' find anything fraudulent about it and left the account open. I immediately contacted XXXX again, and they said because the information ( except for the email address ) was correct there was nothing they could do. I again informed them that I didn't open the account, obviously my information had been stolen. They didn't seem to care because they said there was nothing they could do. I instructed them that they needed to close account, which they did but they reported back to the credit bureaus that the account was accurate. So, now my credit report is inaccurate and i still have no idea how this account was opened. They never provided me a copy of the credit application that I supposedly filled out and signed. I am in the middle of a bankruptcy and am unable to apply for any type of credit at the moment, which is why I am 100 % certain I didn't apply for this card. I have no supporting documents because I never filled anything out. All the information i have is from XXXX. I have submitted a complaint with the XXXX XXXX XXXX for this exact same issue. I want this to be reflected correctly on my credit report ; which is that the XXXX account is a fraud account.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a very difficult time with Bank of America. I have been trying to get a loan modification for the past year. Bank of America is refusing to let me be reviewed for a modification based something that happened 11 years ago. When I got this loan I went through Countrywide. At the time I did not know how fraudulent they were. Bank of America is stating that because of something that happened on the origination on this loan, I can not have a loan modification. I dont even know what it is, and Bank of America will not tell me.

Countrywide was a very criminal and fraudulent company. In my opinion, they were a major cause of the mortgage crisis. My loan officer lied to me and mislead me on several occasions. By the time I realized this I lost a couple of homes to foreclosure. They were a very very bad company.

I am now being held responsible by Bank of America for the criminal activity of Countrywide, and I believe this is unfair!

I am not a loan officer, I am not sure what he did!

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 2018-05-30 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: AL

Complaint narrative:
In 2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, Equifax, and XXXX, each of these accounts year to date credit reporting ends in 2017. There appears to be no credit reporting since 2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent collections account on my Experian credit report. FTC ID Theft Report # 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 2018-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX  XXXX XXXX and Capital One is showing as OPEN and MANAGED BY A DEBT AGENCY. This program was canceled, Capital one and XXXX was notified that I was no longer in the program. I pay my payments DIRECTLY to XXXX as well as Capital One monthly and have also contacted them via telephone in regards to these issues with NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate collections account on my Transunion credit report. FTC ID Theft report # 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 2018-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was with XXXX XXXX XXXX and then it was transferred to Carrington Mortgage. I have for more than five years tried to modify my loan. I received the attached letter and I sent in all the documentation requested. I had invested 25 years in my home.

I never received notice of the foreclosure and I have not heard from the mortgage company since I submitted all papers asked for by the date requested of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: VA

Complaint narrative:
My wife and I brought a time-share in Florida in XX/XX/XXXX and we paid {$9000.00} cash for it. My wife die in XX/XX/XXXX so it was left to me, than I was behind on my fee so I sent XXXX XXXX {$700.00} check to catch up on my fee. I call them and told them to Lease my time-share so it will pay for my condo fee, but it never happen.I don't owe Conrad Credit Corporation one penny. I have't been on vacation seen my wife dead. I pray this matter will be over soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX   Collection.

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