vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: NJ

Complaint narrative:
3 years ago I was informed by Florida DMV that my personal information has been compromised. The details of the situation are that I apply for a HazMat endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.

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 2019-07-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
3 years ago I was informed by Florida XXXX that my personal information has been compromised. The details of the situation are that I apply for a XXXX endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NJ

Complaint narrative:
3 years ago I was informed by Florida XXXX that my personal information has been compromised. The details of the situation are that I apply for a XXXX endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.

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 2019-07-30 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On my first complaint I told Wells Fargo that there Is an inquiry that was placed on my credit report on XX/XX/XXXX by Wf Bank Na, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. Wells Fargo Bank XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, its funny how Wells Fargo says that my signature isn't needed for them to pull my credit but on the XXXX website they say the contrary and I do not think that they will put this on their website just for fun, also the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that Wf Bank Na verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently. First of all, there is an address on the application that says XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, I have never lived at that address and second of all, there is an income on that application that is not my income, I do not make {$780.00} dollars a month. If this inquiry is not deleted from my credit report, I will be contacting the Attorney Generals office and also I will place a complaint with the XXXX. I want the bank to take a look at the XXXX website XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: GA

Complaint narrative:
PMAB , LLC is attempting to collect a medical debt from me at this time. I have stated that I refuse to pay this debt because at the time of service I had primary and secondary insurance. The original creditor did not charge my secondary insurance for all remaining charges owed. I should not have to pay this debt because the medical provider was negligent and also medical malpractice occurred during the time the services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have disputed my reports with Bank of America and they are reporting credit card information that does not belong to me. I have never used and Bank of America card and I do not own one. This card was opened in my name due to fraud/identity theft ... 

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TO DATE Bank of America HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT 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 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have made two orders to Saks.com one on XX/XX/XXXX and another on XX/XX/XXXX. I received emails stating there was an issue and I would need to reorder the items. When I called customer service for Saks I was told the charges were declined by the card issuer. I called The issuer and was told the charges were pending and had been approved. Customer service confirmed the account was open and in good standing with adequate credit available for the purchase. Neither the bank or Saks could tell me why the transactions were not going through. I would like to know the problem so it can be resolved and I can use the card without associated issues. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I struggled to pay back this loan due to financial difficulties. On top of that, they kept adding fees and late charges to my loan. 

Today i received the emails i attach. XXXX XXXX who claims to work at speedycash demanded immediate payment using prepaid XXXX cards. 

When i didnt do what she asked she send another aggresive email claiming they had issue a warrant for my arrest. I wasnt even served any papers and they are already claiming they will have me arrested. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XX/XX/2019 XXXX to XXXX CST Called Midland Credit Management They had four accounts of mine in the amounts of : {$1500.00}? missed the change {$3600.00} {$880.00} {$1200.00} I called Midland Credit Management to try and work out a payment arrangement on four accounts that they had of mine in collections. I explained my loss of income and loss of current job position to company moving my product to another state. I told the representative I could only afford XXXX/month to pay towards all the accounts combined. I told if he couldnt do that I would pay {$100.00} today. He transferred me to a supervisor. I told her the same thing and then asked me to think outside of the box, i informed her that I dont have any other resources. I mentioned I havent gone to the doctor for my XXXX XXXX in many months since I couldnt afford it. She than preceded to tell me that XXXX XXXX was serious and asked if i had to go to the emergency room for it how would i come up with the {$400.00} needed to pay for it. I told her i couldnt. She continued to push. I informed her I would still be seen in ER and would fill out papers for XXXX XXXX I told her again I could only do XXXX/mo and if she could take that monthly that I would make a payment of XXXX today. She told me she couldnt do the arrangement, i told her i would just pay the XXXX today then and she refused to accept my payment and continued to talk over me. I asked what her name was she said it quickly, I asked her to repeat it, she didnt, she continued to talk over me. I asked her on this recorded line if she was refusing my payment? She continued to talk over me and refused to take payment. I informed her I was going to file a complaint and ended call. 

I called back and told the rep on the phone that I wanted to file a complaint. I filled this person in and let her know that the rep had talked over me, was very pushy and refused my payment. She said would have someone in management review the call. I informed her that I was going to also file a complaint with the CFPB. After explaining everything she set me up on a payment plan that i had asked for at the beginning of the call. The first supervisor was rude, seemed to treat me like i was lying to her, talked over me and refused my payment of {$100.00} that i offered for today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
I have submitted letters to each XXXX, Equifax, XXXX   regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: GA

Complaint narrative:
I have submitted letters to each Transunion, XXXX, XXXX regarding XXXX Card services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect 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 explanation
Consumer complaint received 2019-07-30 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: GA

Complaint narrative:
I have submitted letters to each XXXX, XXXX, Experian regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect 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 explanation
Consumer complaint received 2019-07-30 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: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I contacted the company on XX/XX/XXXX to start the voluntary repossession process. I called on XX/XX/XXXX as no on one had contacted me as I was instructed.I was advised everything was approved and the vehicle was assigned to a towing company and to call back on XX/XX/XXXX or XX/XX/XXXX and I would be provided the name of the company. I called today ( XX/XX/XXXX ) only to be told that someone internally from American Credit Acceptance went in and deleted my request without me asking them to and it had to be resubmitted and all I can do is wait. I am moving in 3 weeks and I have given them ample notice to come and get the vehicle and they refuse to come get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I filed a dispute for an erroneous charge from XXXX for {$320.00} on XX/XX/2019. After following up with Citi, the deadline for contesting XXXX 's response to my dispute. I called on XX/XX/XXXX and a Citi representative indicated that I could have an extension on the deadline of XX/XX/XXXX for supplying supporting documentation. I called on XX/XX/XXXX to follow up, and was told that my documentation had been received too late and that no extension could have been granted since the federal government regulates the dispute process. 

For this reason, I contacted XXXX directly and was issued a refund. The refund was issued to and received by Citi on XX/XX/XXXX. I was informed by Citi that the refund would be processed in 7-10 business days. After this time passed, I followed up and was told something was wrong and the refund would be processed in 7-10 business days. On XX/XX/XXXX, I called Citi again and was told that the refund would be posted in 2-3 business days. On XX/XX/XXXX, I called to follow up and was told that an exception had been approved on XX/XX/XXXX, but that my refund would not be posted for 7-10 business days. I do not believe that my refund will post ever after being continually delayed by Citi Bank.

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 2019-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. 

Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ordered a drone through XXXX on XX/XX/XXXX for {$2600.00} and when the package arrived, the box was empty. I promptly notified XXXX and was instructed to return the empty boxes, which I did. When they received the boxes they stated the boxes were empty, to which I reminded them that it arrived empty. They said that their seller refused to issue a refund and that XXXX would process some kind of A-Z guarantee, but now they say it is my problem. 

Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place this item in dispute and request you refund my money. 

Notified Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail, which is why I am filing a complaint with 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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX XXXX agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX  XXXX different collection agency. They need to proof this is my account. I have never had XXXX  XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX  XXXX was put in was a childhood home. I have not lived there in over 30 years. I disputed with Experiqn last year they removed for lack of proof it has appeared again under different collection company and Experian has said the company showed it was mine. I would like to see the proof.

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