vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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:
XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXXXXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX  : XXXX -- -- -- >Date Opened -- -- >XX/XX/XXXX Fraudulent Inquiries : XXXX - XXXX XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  -- -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX  -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the date of XX/XX/XXXX, multiple transactions we're being processed without my permission. The weirdest part is that they we're being approved in Florida. I never gave anybody consent to use my cards nor do I have any business out there. I've reported this to Well 's Fargo and they still haven't resolved anything. I would just like this issue to be resolved and in hopes that I can get my money back.

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
This collection account was already disputed and taken off my account over a year ago. I was forced into an ambulance against my will and had sent 2 letters of dispute for this balance to the hospital. I the. disputed this with the previous creditor who owned this debt starting XX/XX/XXXX ( XXXX ) and it was taken off my record for being a wrongful debt. Now this company is claiming this debt and restarting the statue of limitations claiming XXXX, with whom this account was closed already, sold the debt and it is within their rights to restart the statue of limitations. This account has been closed for about a year already and needs to be taken off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a new credit card with Wells Fargo and never received my first statement. As a result, I missed the due date on my first bill and was charged a late fee and interest. Because it was my first bill, I had no expectations for when my monthly bill should be due. When I called Wells Fargo, they offered to waive the late fee, but not the interest. They could not provide me with delivery confirmation or detailed mailing information to prove that they ever sent the first statement. They only confirmed that my address was correct.

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 monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-11 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: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX I went on the site XXXX to get my free credit repot. It asked random question to see what type of loans I may apply for in the future I clicked mortgage but I didn't know it would trigger massive banks to contact me. ( I called numerous times via telephone. I told the aggressive sales/loan associate XXXX ( quicken loans ) DO NOT RUN MY CREDIT on a recorded line on XX/XX/2019 at XXXX XXXX ). I answered the phone it was XXXX from quicken loans. He was very aggressive my score was XXXX he was very pushy I told him I can not talk at this present moment he said I just want to verify its you I told him I DO NOT want my credit pulled. I don't want any hard inquiries.. I also told him I can not talk right now because I was busy. He was Very pushy .... He said ok " I just want to verify it is you '' He Said what is your SSN I only want to verify its you. I gave him my SSN not knowing he was going to pull my credit. I hung up because I was working. 2 minutes later he ran my credit I called back and I asked him why did you do that. He said your credit is great we got great rates for you. I told him Im not interested. He said can we talk later..I immediately on that day wrote a letter to quicken loan and they replied and said they will not remove the inquiry. I wrote them again on XX/XX/2019 set it certified mail. Thy said they will not remove the inquiry and I just wrote them a 3rd letter on XX/XX/2019 they called me and told me they will not remove the inquiry. I only want them to remove the inquiry because I told XXXX not to run my credit in the first place. The Creditor is { XXXX / QUICKEN LOANS, } XXXX XXXX XXXX XXXX, MI XXXX that I'm having the problem with. Please advise me or help me resolve this issue XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CFW Holdings LLC
State: TX

Complaint narrative:
This is my second complaint about this company. I understand that as a consumer its my responsibility to manage my debt however when i took this loan i took it with good faith that I was going to be able to pay it since I had a full time job. That wasnt the case, I ended up losing my job as my XXXX  got bought out and they downsized my department. I fell in to default and thats when the harassment begin and continues to this day. 

Ive been getting calls, emails AND even texts messages stating that I will be taken to court for this loan, I am in the state of Texas and that is highly illegal. Ive tried to work with them to settle this debt but life has happened and working part time and trying to stay a float is tough. However today I called in because on a holiday, CFW left me a threatening voicemail AND a text message saying I was going to be taken to court. I spoke with XXXX and it was the worst experience Ive had. She started threatening over the phone stating I wasnt helping my case because i didnt want to give her a set date as to when I would be able to pay the loan. Thats when all broke loose and she started telling me based on my pay dates she was going to set it up for XXXX and forcing me to agree to something. 

I was essentially forced in to an agreement just so I could get off the phone and stop her from suing me. 

Unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express, Sent me a letter informing me of the incorrect Credit Limit that was applied to my account. In the letter American Express indicated that the increase was due to a system error. This have completely decimated my trust in one of the most established and reputable creditors in the world. A creditor to which I am an investor and holder  of your common stock. This error on American Expresses part has burden me with financial damages. As with this oversight they have Defrauded me.

With the increase in Credit Limit it allowed for my Credit Score and my Credit Limit to increase. Giving me more access to spending without negatively impacting my credit ratio. This higher credit limit provided me false confidence when making large purchases as it would still show that I had thousands of dollars of Available Credit. This decrease in my credit limit is going to impact my credit score and toughen my chances of obtaining access to different lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-11 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: FL

Complaint narrative:
I am requesting to remove XXXX XXXX account which was opened as a fraud. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-11 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: PA

Complaint narrative:
On XX/XX/2019 I noticed that my score was not updated on TransUnion and that my credit card usage did not reflect the true amount I put in a credit dispute clearly a stating that I needed the correct amount UPDATED TransUnion deletes a active reporting from my account and will not re-insert the credit file it dropped my score 41 points and its no longer showing on my credit report I called the bank because TransUnion says they deleted it and the bank has no clue what Im talking about but the other 2 credit bureaus are still reporting it I need it put back on 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 2019-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On or about XX/XX/2019 I request PennyMac to transfer a copy of my VA appraisal letter to XXXX XXXX for a refinance. Since this time, I have had to contact the company on 3 different occasions to get the transfer approved and authorized so that I can close on a refinance loan with XXXX XXXX. PennyMac is my current mortgage lender and I can not believe that it takes a company 10+ days to transfer paperwork. This has caused me a hardship and frustration. Today 's date is XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX my loan was sold from XXXX XXXX to XXXX XXXX. This happened right as i reached the level to remove the PMI insurance. XXXX set up the property value at $ XXXX instead of the $ XXXX it was suppose to be. They have continued to charge me the insurance. I have called, emailed, and wrote a letter. None of this has helped. They are stealing {$100.00} a month from me. If you can't help i will have to pay to refinance somewhere else.

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Had three separate accounts, each for {$150.00} medical. Was sent to collections and became 2- {$150.00} accounts and 1- {$300.00} account. Original creditor paid in full by me on XX/XX/19 for {$450.00} and made aware of mistake of collections company. Collections company contacted by me the same day and made aware of pay off of accounts. 2- {$150.00} accounts have been removed but the wrongly billed {$300.00} still remains on collections record even after several additional calls to creditor and collections company affecting ability to secure a needed car loan.

Company response to consumer: Closed with explanation