vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND THEY STILL WILL NOT CHANGE BARCALY CARD TO PAID STATUS WHERE IT SHOULD BE AND STILL WILL NOT REMOVE XXXX ACCOUNT OFF OF MY CREDIT REPORT AND OTHER CREDIT REPORTING AGENCIES BECAUSE IT IS NOT MINE AND MY CREDIT SCORE IS STILL LOW ON ALL CREDIT REPORTS IT SHOULD BE ALOT HIGHER THAN XXXX WITH ALL THE PAID ACCOUNTS. CAN SOMEONE PLEASE HELP ME I AM TRYING TO GET INTO AN APARTMENT.

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent a letter to Capital One on XX/XX/XXXX with a USPS Tracking # of ( XXXX XXXX XXXX XXXX XXXX ) which they received on XX/XX/XXXX. In the letter I asked them to validate a debt being reported on my credit bureau report according the the Fair Debt Collection Practices Act. However I never received a response of them validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XXXX payment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by XXXX XXXX this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behind XXXX throughXX/XX/XXXX ( Completely incorrect ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: UT

Complaint narrative:
I have since XX/XX/XXXX, asked for a balance sheet, what is our payoff, principle and interest. I am told they will request one after I've made the payment. It is XX/XX/XXXX and I till do not have anything that show how my payments are being applied and what my balance is. I think I have given them ample time to come up with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC
State: IN

Complaint narrative:
I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my daughter re-let her room in XXXX XXXX XXXX in exchange for ending the fall XX/XX/XXXX lease. As the lease guarantor ( co-signor ), I facilitated the re-let agreement. The rent for the semester was paid in full at the beginning of each semester to ensure there were no shortfalls. 
XXXX moved her personal belongings out of the unit at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX as agreed to by XXXX XXXX, the leasing XXXX at that time. The requirements to begin the re-let agreement were met due to the new tenant signed a lease and the re-let fee was paid. XXXX returned the keys to management and her room was inspected. At that time, we were advised that we had no further financial obligations to XXXX XXXX XXXX. Please see attached form. 
On XX/XX/XXXX, Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX reported a derogatory mark on my credit file in the amount of {$730.00}. 
I request that this item is removed from my credit file due to the financial obligations to XXXX XXXX have been fulfilled.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: TX

Complaint narrative:
XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX my car was total out my insurance company pay the book value of the car it XXXX but Wells Fargo is still making me pay the difference of the car the balance is left on the car of is XXXX I was on charge for this car could you please help me thank you.

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 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Walwick, Inc
State: WA

Complaint narrative:
I have already filed a complaint with you guys an complaint # is XXXX The complaint is against XXXX   XXXX XXXX who has yet to respond to my claim its been over a month I was notified by CFPB that the company had not responded an I just want to know why CFPB has not be able to intervene this is unacceptable this company is trying to collect debt that I do not owe to them they have been calling harassing me I want these XXXX XXXX accounts deleted from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Innovis
State: OH

Complaint narrative:
On XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Access Financial LLC
State: NM

Complaint narrative:
I took out a loan with XXXX in XX/XX/XXXX. I made a payment of {$180.00} in XX/XX/XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing 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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
I called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/ I sent certified letter to XXXX XXXX disputing an item in the amount of {$900.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/ which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband went to purchase a vehicle. The dealership sales manager said he would probably not be approved for a loan just by himself and told me I needed to sign with him in order for him to get the vehicle. I have never had insurance and they knew I did not. Once giving them a XXXX deposit they let me take the vehicle off the lot. Upon looking at the paperwork they listed my husbands insurance from Ohio on the vehicle. The Ohio insurance says they are not going to cover the car because its registered in Texas. I tried to get my own insurance but based on my pay I will not be able to afford it they are saying its going to be 3,000 for 6 months. I also talked to the bank and they let me know the loan has not been approved yet and that i'm just driving around a free car. I explained all this to the dealership and they are saying I have no choice that I have to keep the car. I have attorneys and the bank saying no I can return it. Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is the second written request asking the companies ( TransUnion, XXXX, & XXXX ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request 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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent a letter to Barclays Bank ( USPS Tracking XXXX   XXXX ) that they received on XX/XX/2018. In the letter I asked them to validate a debt according to the Fair Credit Reporting Act ) they are reporting on 2 of my credit bureau reports ( XXXX & XXXX ). However I've not heard from 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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
XX/XX/2018 My wife and I each have an XXXX XXXX Bank of America credit card, and have had them for decades. I think that Bank of America is discriminating against us as lawful gun owners. Bank of America does this by threatening to refuse their banking services to law abiding businesses within the firearms community. I want Bank of America to apologize to my wife and me. I want Bank of America to immediately stop marginalizing my family and our honorable, constitutionally protected traditions. 

Sincerely : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK 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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have lodged disputes with US Bank with the belief they have reported negative items to my credit report not in compliance with current Consumer Protection law.  Specifically, the FCRA and the FDCPA. I requested that they investigate beginning in XX/XX/XXXX by first sending dispute letters to all three credit bureaus.I followed up on this request by sending dispute letters in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I sent dispute letters directly to US Bank with desire to correct this error. I have continued this process with letters sent in XX/XX/XXXX, XX/XX/XXXX and 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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I asked Equifax to remove 3 fraudulent accounts that appear on my credit file. These accounts are now closed but they still are damaging my reputation as a consumer. I have Identified this accounts as follow. 

Account : Account No. Account Status XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX closed XXXX XXXX XXXX. XXXX closed XXXX XXXX XXXX has removed this accounts from my file within 4 days after I notified them. 
I will ask Equifax for the 2nd time to remove this fraudulent accounts from my credit file. 
by not removing them Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) (  a ) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
I have included in my first dispute a copy of XXXX XXXX County Police Department Case Report - XXXX which I am attaching to you as well. In response to my first dispute, Equifax is saying that they need to verify identification I enclosed my Virginia Drivers license and Social Security Card which I am attaching to you now. 

the bottom line is Equifax is giving me the RUN-AROUND and are failing to follow federal law FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have identified this fraudulent accounts that must be blocked within 4 days after you have received my complaint. it's being almost a month and you continue to report this accounts in my credit file. 

Please, either provide me with strict proof that this is my account such as a signed application or contract or recorded telephone call or delete the accounts immediately. If you ignore this letter and do not delete the fraudulent account or do not provide strict proof this is my account I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this Matter. 

I have attached the following Documents. 
1st. Dispute Letter to Equifax. 
Equifax response to my dispute XXXX XXXX County Police Department Case Report Virginia Driver 's License and Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: International Financial Management
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX, I was provided a {$5000.00} from XXXX XXXX aka XXXX XXXX XXXX. 

The term 24-month title loan with a {$1800.00} finance charge - total repayment should have been {$6800.00}. 

By XX/XX/XXXX, I paid the loan off completely total payments were {$6600.00}. I was provided a {$200.00} credit for paying it off 20 months early. 

On XX/XX/XXXX, my mortgage officer stated I had an open car loan with the above company with a balance of {$2900.00} and monthly payment of {$370.00}. 

Since I had paid that loan in-full, I knew this was an error and called the company immediately. They informed me that I had purchased {$1500.00} additional service package when I received the loan. They stated there was nothing they could do for me and that I must pay. 

Please note, the day I received the loan was I was in a jam and needed the money quickly to repair my truck for work. The contract they provided was in English and since I don't read English well I had to rely on the honesty of the companies representative. 

Unfortunately for me he was not honest.. Since this {$1500.00} package was never mentioned. I recently found out they have a common practice of selling you additional services with providing full disclosure. 

The finance charges XXXX XXXX are charging should be illegal. But I would have never complained, because they lent me the money when I needed it. 

They purposely provided me a contract that they knew I could not understand and did not disclose the additional fee. This practice is extremely deceitful and should be illegal. ( My daughter is translating this letter for me ) Sadly for me and my family we are about to lose the opportunity to purchase a home because they are trying to swindle us out of an additional {$2900.00}.

Company response to consumer: Closed with explanation