vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

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 2019-08-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
i do not know why this company keeps calling me, when i answer the phone, nobody is there to respond. they call from over 10,000 phone numbers, when i attempt to block them, it comes up under portfolio recov. they will not stop calling, they even call my parents since i never give it out. it is harassment to it is harassment to the 9th degree. 
i have blocked their number every day five times a day, and they still call from a different number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXXs equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I requested a XXXX  XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today, XX/XX/XXXX telling me that they mailed a letter requesting additional information. 
I asked for the history of the loan to verify that I had 3 loans with them. Because to my knowledge, I only had one consolidated loan. The servicer at XXXX stated I have a total of 3 loans 2 with them but one with XXXX from the years of XXXX and XXXX. I requested history to confirm. They stated they did not have anything like that. I asked for the supervisor who in turn gave me as of XX/XX/XXXX, the original balance that they were given was {$5600.00} for one loan and the unsubsidized part B of {$5900.00} was the 2nd loan. Which totals {$11000.00}, which is on my report as well. The loans are the same loans being report 3 times differently on my report. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXX equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I said how do I get this overpayment back tou. They replied the only way was to get gift cards from placeeds like XXXX, XXXX XXXX, and XXXX XXXX.to the amount of XXXX. I panicked and used my debit card to purchase such cards. As I was panicked I came to my senses and realized it was too late> as I gave them the numbers anOn XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I reported this to the XXXX police officer XXXX # XXXX I was lucky enough to stop the XXXX XXXX case # XXXX reimbursed. 
Not so lucky on XXXX XXXX or XXXX XXXX they cashed them immediately. {$5000.00}. Wells fargo said they could not reimburse The XXXX because I bought the cards. This was our savings that we need for taxes etc. We are both on social security. Wells Fargo Case # 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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
sequium asset solutions Did not send out a letter in the mail During the 1st communication about the debt This violates the FDCPA Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. ... The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I and my Husband had a fraudulent loan with Capital one for a car ( XXXX XXXX XXXX ) that was sold to me as a lemon. The car had a previous warranty due to a recall that was not disclosed unto me A couple of years later the vehicle became disable due to a bad transmission that was part of the manufactured warranty that dealer did not inform me of.The car was repossessed and a balance of XXXX was remaining ( unbelievable ). I received a correspondence from XXXX ( collection Agency ) and they offered me a settlement of XXXX dollars to close the account, however Capital one is reporting on my credit a different balance and is not reporting this agreement. My credit is suffering tremendously. As Capital have been reporting that I have been late I have reached out to them several time and also the credit bureaus to remove this erroneous information but have not received a resolution. I feel that I should not be liable foe this balance as this was a fraudulent loan that had pre existing conditions that I was unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I settled out with a. Electric utility bill, two credit card bills, and a cable bill. I settled out with all pasted due collections debts on my credit report. there open but still saying it was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in 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 2019-08-27 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: FL

Complaint narrative:
I strongly believe that you have violated the FCRA and the non-compliant with what you have reported. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to Equifax/XXXX  and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Collector : National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX   has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AR, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 


1. DELETE XXXX XXXX XXXX because it is reporting a different Balance Updated date for TransUnion on ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2. DELETE XXXX XXXX XXXX because it is not reporting transferred or sold in the company sold, status updated or remarks sections of this listing. Additionally, it is a closed account that is still reporting chargeoff collection activity in the payment history, section of this listing for years XX/XX/XXXX, XX/XX/XXXX. {$410.00} Past due as of XX/XX/XXXX. Status Updated and Balance Updated on XX/XX/XXXX. " Delete for multiple inaccuracies. '' 3. DELETE XXXX XXXX XXXX XXXX because it is reporting a different Balance Updated date on TransUnion ( XX/XX/XXXX ). However they are reporting ( XX/XX/XXXX ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
4. DELETE XXXX XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. This  collection is reporting a Past Due Amount of {$150.00} in the Status Section. Aren't all collections late by default? 2. This listing has been re-aged to stay on my account longer. Isnt that a violation. 3. Additionally, they did not enter a notice of dispute when they updated the status on ( XX/XX/XXXX ) as required by 623 of the fcra. Delete Immediately! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my letter will inaccuracies highlighted in yellow, a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 2019-08-27 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
XXXX XXXX XX/XX/2019 phone call from ( XXXX ) XXXX in regards to a complaint filed against me for a unknown reason XX/XX/2019 phone call from ( XXXX ) XXXX phone call from the same Fake collections agency. I finally got to speak with these people, they wont provide me with a actual address, reference number or account numbers.. XXXX   told me that Capitol One was the credit card company that sent me to collections and that if I didn't pay my bills its my fault they are calling me. XXXX hung up on me so I called back and asked to speak with her manager, they put me on hold to speak with XXXX XXXX who works with XXXX. 

CAPITOL ONE data breach is the reason why these people are harassing me. 

XX/XX/2019 I spoke with Account Specialist- XXXX @ XXXX with capitol one and she stated my account has a XXXX  balance and paid in full and currently closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Dear CFPB, Please Help! The XXXX XXXX  XXXX IS FORCING A FORECLOSURE and is REFUSING TO POSTPONE My Foreclosure Sale Date of XX/XX/2019 even though the XXXX XXXX XXXX has APPROVED MY SHORT SALE!! '' In addition to FORCING A FORECLOSURE, XXXX XXXX XXXX is also REFUSING to accept fair market value for a current contract of sale, and Trying to force a buyer to purchase the property above fair market value by scheduling a Foreclosure Sale Date of XX/XX/2019 if buyer does not accept the inflated valuation. 

Thank you for any assistance you can provide regarding my complaint. 

Concerned,

Company response to consumer: Closed with explanation