vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: DC

Complaint narrative:
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and Equifax Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX  Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to Experian and XXXX  Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.

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 2018-08-14 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: CA

Complaint narrative:
My credit report is showing a " hard '' inquiry from XXXX XXXX on XX/XX/2018, that I did not authorize. I don't have any services with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Wells Fargo account has been compromised several different times over the course of these past 2 years and the loan officer at the bank is saying they can not go back past a year and figure out what happened to over {$55000.00} from my accounts. I know for a fact that this is not true, but I do not understand how she can boldly lie to me about my own accounts and treat me as if this was my fault. I have filed a police report in XXXX county and plan to fight these fraudulent withdrawals to the fullest extent of the law.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Revenue Corporation
State: TX

Complaint narrative:
Never provided debt validation ( Duplicate bills ) for multiple accounts disputed with bureaus a few times listed on my credit report in full detail of medical services with 30 days. Never contacted or correspondence received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Financial Systems, Inc.
State: AL

Complaint narrative:
Around the end of XX/XX/2018 I received a letter in the mail stating that I had an bill in collections with Southern Financial for a old utility bill. I immediately sent an money order and paid the debt. A few days later I called Southern Financial to make sure they received my money order. They ask for my personal info to verify the debt. They stated they received my money order & that it would be removed off my credit. Then I was told I had an old hospital bill in there system. I wasn't aware of nor informed previously about any old medical bill debts. I have health insurance. When I do go to see my doctor, I always pay my copay & whatever balance is due is sent straight to me from the orginator. The lady over the phone asked me was my birthday in XX/XX/XXXX & I replied no. So she was asking me for more personal info that I didn't feel comfortable giving over the phone. So I asked could she send something in the mail so I can verify these supposedly debts. About 2 weeks later I received a letter in the mail that didn't have the company Southern Financial listed on the evelope & the information was uninformative. Last night on XX/XX/2018 I received a notification from XX/XX/XXXX stating that my credit score dropped 23 points because a new collection was added to my report. I called Southern Financial the next day and asked to speak to the supervisor. The first supervisor XXXX hung up in my face because I didn't want to give any personal info. The second supervisor XXXX, who I talked to after I called back told me I need to pay my bills then I wouldn't have this problem and he also hung up on me. The third supervisor XXXX stated that he couldn't talk to me with getting my personal info & was also very cruel. I stated to XXXX I had a non personal question so you didn't need my personal info. After explaining what was going on & telling him regardless of someone's supposedly debt you can't treat people rude like that. Matters can be resolve with respect and communication but no one in that office holds a professional torch. They are so mean & hateful hearted. I had know issue paying my debt if it was validated. I wasnt given that option, I wasn't notified, they just slapped it on my credit report after knowing I was in a process of buying a house. They did this to be malicious because I was chose to be cautious about giving my personal information out over the phone.

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 2018-08-14 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: CA

Complaint narrative:
Transunion online website doesn't work for me ... has error messages, will not function.In order to dispute with a record I disputed XXXX XXXX  XXXX/ XXXX  account number XXXX by mail. THIS ERRONEOUS ACCOUNT IS SHOWING ON MY FILE WITH ME AS THE OWNER- ( RESPONSIBILITY INDIVIDUAL ) OF THE ACCOUNT.THE ACCOUNT IS NOT MINE! WHAT'S WORSE IS THE ACCOUNT IS SHOWING OVER THE LIMIT AND DESTROYS MY FICO SCORE TO AN UNLOANABLE STATUS. 
Formerly until XX/XX/2018 I was an authorized user on this account, a gift from a family member that I did not want or appreciate.NOW FOR THE ERRORS OF TRANSUNION AND OR XXXX XXXX  my credit is destroyed.This account should have been immediately deleted upon TRANSUNION 'S RECEIPT OF THE DISPUTE ... .BUT NEVER SHOULD HAVE APPEARED ON MY FILE IN THE FIRST PLACE. 
THIS IS NO EXCUSE OTHER THAN INCOMPETENT, IRRESPONSIBLE, UNCONSCIONABLE CREDIT REPORTING BY TRANSUNION AND THEIR CARELESS SUBSCRIBER.

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 2018-08-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
My credit was perfect! I'm in the process of buying a house in discovered that Navient is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is Navient and Sally, which Sally Mae is incorrect, old and reinserted!

Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli & Kramer PA sent a guy to my parents home where I do not live to give me papers that said Im being sued by my old credit union for a car that had and it was repossessed. The issue is I spoke to my old credit union XXXX XXXX  and was advised that they dont sue for a car that was repossessed. The car was given to my brother who ran into a financial crisis and couldnt pay the note by the time I got ready to take back over the note it was to late. Messerli & Kramer PA never sent me a notice saying the account was with their office. The only I received was from XXXX XXXX after the car was sold at the auction advising me of what was left over. This car was repossessed in 2015 and now Im getting a notice from this agency saying XXXX XXXX is suing me. My parents were very upset that this random man showed up to their home looking for me and then the papers he had werent sealed in an envelope they were paper clipped together out in the open for anybody to see my personal business. I wrote Messerli & Kramer PA a letter advising that I cant afford the now XXXX dollars that they say owe when the balance per XXXX XXXX is only XXXX dollars. Ive been working with my brother seeing how much he can afford to pay towards this so that I can get this resolved. Im currently in a financial situation myself and there is no way I can afford XXXX plus being told that Im going to be sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On or around XX/XX/2015 XXXX XXXX reported a paid off account that was paid off. The account was with XXXX  and the payment was applied to another XXXX  account via the customer service agent for XXXX  error. Once the account was sent to collections I informed XXXX aka XXXX  of the error and was informed after an investigation that the account would be removed and that it should have never been reported. The account does show a XXXX  balance but is reporting as if I had anything to do with the error. The account needs to be removed ASAP. It is not valid account nor was it past due. I did not now nor did I ever make a payment to XXXX XXXX XXXX. The collect company has not been helpful in my efforts to fix error nor did we have a contract.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
I contacted XXXX XXXX XXXX in XX/XX/XXXX after I received a notification that I had only made XXXX qualifying payments toward my Public Service Loan Forgiveness program. I called them to ask about the number, since it should be much higher, closer to 90 payments at that time. I refinanced my loans to enter the program in XX/XX/XXXX, and have been with qualifying employers the entire time, paying under repayment programs that qualify as well. I asked them to review the number of payments. I called again in XX/XX/XXXX when I didn't receive any response to my first inquiry. I was told that it wasn't properly submitted, and that they would ensure it was submitted for review now. I called again in XX/XX/XXXX and again in XX/XX/XXXX, asking for updated. I was told it was still under review. I called yesterday ( XX/XX/XXXX ) and was again told that it is still under review. I asked about timeframes for these reviews, since my forgiveness will be coming up in XX/XX/XXXX. The person stated that their policy is to finish these reviews in 90 days, but due to so many requests, they are prioritizing them by those who are coming into forgiveness first. I asked when my date comes up, am I required to still make payments if they haven't completed the review. She stated yes. I asked how is that possible when I made requests over a year ago now. This company needs to get its act together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
hi.my name is XXXX XXXX. I'm trying to Open a new account with Wells Fargo XXXX XXXX  But they denied my application for some reason For XXXX XXXX XXXX XXXX XXXX. No bank where I applied will open an account for me because of 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 monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: SC

Complaint narrative:
Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 
1st Terminal XXXX XXXX XXXX  # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I Despoit XXXX Into Chase Bank.

On XX/XX/2018.

Chase Decided To Close My Account.

And Didn't Write Me A Check.

They are still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: GA

Complaint narrative:
My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.

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 2018-08-14 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: GA

Complaint narrative:
My credit was perfect! I'm in the process of buying a house in discovered that XXXX is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: GA

Complaint narrative:
My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.

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 2018-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear to whom it may concern.

It is extremely difficult to reach anyone by phone and dispute a charge with PayPal.

We have tried since XX/XX/XXXX to resolve this.

Eg.

Dear Paypal.

We have Tried to call you months ago.

We also disputed moviepass as they have never honored their unlimited movie offer.

We also wrote to Paypal.

Where is the open case that we opened 5 months ago?

If Paypal doesn't handle disputes correctly We Will have no choice but to complain to the state regulator and Cfpb.

As requested 5 months ago please Credit our account the {$89.00}.

Please pass on to management as we have never received acknowledgement.

Or a pH. Call.

Or a letter from PayPal. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed all five of my credit cards with American Express on XX/XX/2018 at exactly XXXX PST. The Representative supervisor at American Express did not even read me disclosures to close the card. All 5 of my cards have {$0.00} balances. I closed the cards because American Express is very shady.

Company response to consumer: Closed with explanation