vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
This company Hunter Warfield has been reporting a debt that they say that I owe for appx XXXX from I found this out around XXXX of this year ... I sent them a copy of my current lease on XX/XX/2018 along with a copy of my utility bill and other information and a copy of a signed affidavit of identity theft .... I requested that they remove this from their files permanently and delete it from all of the credit bureaus they have reported it too. I included a copy of a letter requesting an investigation of the information that they have according to section 623 et. seq. of the fcra and that was on XX/XX/2018 I have since not received any of that information and they continue to report this after I have provided them information that I was never at that address ... at this point as I understand it they have violated the fcra and this is my last effort before securing legal representation on this matter. as I understand that this is from a rental of a property that I do not live .... I have also provided this company with as much information as I can regarding my identity being stolen and the fraudulent addresses accounts, including utility, insurance etc ... that were fraudulently opened .... accounts and addresses that just came out of the blue ...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: WI

Complaint narrative:
XXXX Details Account # XXXX A payment was sent but never received. I have had a perfect payment record and te company is reporting a payment having been 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 2018-11-18 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: FL

Complaint narrative:
On XX/XX/2018 a fraudulent application was submitted to XXXX XXXX and they ran a hard inquiry. I notified them of the issue and they acknowledged that I did not submit the application. I submitted a CFPB report and they told me that they would notify the credit bureaus regarding this matter to get it removed from my report. Thus far all credit bureaus have removed the inquiry except Transunion. 

Bank Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018

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 2018-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has been extorting money from me for years. While I have brought it to the attention of the Consumer Financial Protection Bureau, nothing has been done about it and Wells seems to take money out of my monthly payments at will. They offer no balance sheets and no clear path to follow the money. They just keep taking money, regardless of any facts. 
In the most recent case where Wells Fargo has bled me for money claiming that my monthly payment was late, I asked what it would take to stop the gouging, how could I get them to stop taking money from my monthly mortgage payments under the cover of late fees? 
On XX/XX/2018 Wells replied, that I needed to give them {$580.00} by the XXXX of the next month ( attached ). So I issued 2 payments, one on XX/XX/XXXX for XXXX and the other on the XXXX for the months mortgage amount {$850.00} Please see attached document B. Yet without fail, on XXXX billing statement, Wells Fargo again charged me late fees. So in XXXX, I intentionally overpaid WF {$48.00}, ( see attachment ), and still they are charging me a late fee. 
It is clear to me, that there is on honesty in their service. There word has little to no value and they clearly can not be trusted. 
So here we are again. I am asking the " protection '' bureau to help with this matter. I have done what was asked of me in the XX/XX/XXXX letter, and I have gone above the request. 
There questions remain the same as they have always been.

1 ) How do you stop Wells Fargo from bleeding me?

2 ) Why hasnt Wells been honest?

3 ) How much more money do they need to stop manufacturing late fees?

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 2018-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I purchased a XXXX mixer from XXXX on XX/XX/18 on a 5 installment plan. {$90.00} was to be charged when the item was shipped however they charged {$90.00} once on XX/XX/XXXX and seven times on XX/XX/18 for a total of {$720.00}. I purchased the item on my debit card so this amount was taken from my account and made inaccessible. The item has not yet shipped so nothing should have been charged at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake

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 2018-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: TX

Complaint narrative:
Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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:
XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claims ... accounts were settled ... I want it removed. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect debts twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled ... I want it removed. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: AR

Complaint narrative:
I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they do not investigate the matter, instead they send something back wanting more information from me ( proof of address, copy of social security card, etc ... ). I have sent a total of 4 letters to them over the last few months.

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 2018-11-19 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have sent several letters via USPS Certified Mail requesting  that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). I have not received a response to any of my letters. I have sent a total of 4 letters to them over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: AR

Complaint narrative:
I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they send back a copy of my credit report and a statement that says : " Our investigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to verify the accuracy of the information and provide us a response to your dispute ''. 

I have sent a total of 4 letters to them over the last few months. The account has not been verified or removed from my credit report. I have not received any documents or other information that proves the accuracy of the account as I requested.

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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received an unauthorized charged to the account. When I attempted to do a transfer to the new account number, the associate attempted to close the account and open a new one. This is not the normal process for Wells Fargo. I asked her not to do so and to instead do the process I requested. She did not and instead proceeded to close the account and put a hard hold on it. When I attempted to resolve it with multiple associates none were willing to take the steps necessary to resolve the issue. Instead they asked me to go into a branch and open a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-19 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: GRANITE STATE MANAGEMENT & RESOURCES
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account GRANITE STATE MANAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that GRANITE STATE MANAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation