vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Earlier this year I complained that Experian is not accurately reflecting my credit history and worthiness. Again this month, my FICO score dropped significantly by 15 points because " 1 ) No recent revolving balances - Your credit report show no recent balances on your revolving accounts. Your FICO Score was hurt because you are not currently demonstrating active revolving credit management. '' This assertion is totally erroneous as a great deal of transactions occur in both AMEX accounts continuously and are paid very promptly so as to remain in excellent status. AMEX has supplied a letter reflecting the exceptional and excellent status of my accounts without exception. Seems I am being penalized for paying promptly and in full maintaining a zero balance. This practice is unfairly and erroneously being reflected in my FICO score. This is the second occurrence this year and the previous complaint yielded no results through this effort. I take my credit scores very serious, thus if my complaining is frivolous, please notify me so that other remedies can be sought.

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 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.

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 2018-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
collections shows open when it should be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Our customer send us a wire for XXXX euros from his bank to our wells fargo account, so we should have received {$57000.00} as per that days exchange rate which was@XXXX but wells fargo debited our account only with {$55000.00} with exchange rate@XXXX which is not correct. 

They are giving us all sorts of false explanation which we do not agree to and need our difference ASAP, this is illegal to deduct this much amount. 

I want an immediate action to be taken here and get my money 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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: OK

Complaint narrative:
Debt Collector : XXXX XXXX XXXX XXXX XXXX have been making collection efforts and activities by reporting trade lines in consumer 's credit report TWO times per month for past 24 months, consumer sent a Dispute and Validation that the Consumer owes any monies to XXXX XXXX XXXX XXXX XXXX, but the debt collector failed and refused to respond to the Consumer at all. Please see attachment as to the specific details.

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 2018-10-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
An account with WF/XXXX # XXXX was opened in my name in the year, XX/XX/XXXX. The account was sent to collections in the year XX/XX/XXXX. The 7 year statue of limitations has been exceeded yet WF/XXXX and the credit bureaus continue to allow this old 7+ year debt to remain on my personal credit bureau report. The creditor was actually allowed to reinstate in XX/XX/XXXX. This is a violation of my rights and since the collection was first reported more than 7 years ago, it should no longer display on my credit bureau reports.

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 2018-10-02 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:
Equifax, XXXX and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX  balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
There is a collection account held with Caine and Weiner from  XXXX XXXX XXXX XXXX for {$270.00} reporting on my credit reports that is inaccurate. This account was paid in full, prior to ever being sent to collections, and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writing to dispute the rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is consider determined to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Viceroy, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I live in XXXX, Florida, My ex-husband and I received a car loan from XXXX XXXX XXXX XXXXXXXX XXXX approximately 20+ years ago. When my husband and I separated, I filed for bankruptcy due to financial hardship. I also filed for bankruptcy on several other occasions. Around the first of this year, my place of employment was contact by, XXXX XXXX with XXXX XXXX, a debt collector .seeking to have my employer garnishee my wages. Fortunately I was no longer employed with that agency. Around XX/XX/2018 I was served, along with my previous employer, with court documents from XXXX XXXX XXXX XXXXXXXX attempting to collect on the auto loan that I received approximately 20+ ago, Mr. XXXX constantly called and harassed my previous employer on a daily basis. Mr. XXXX and employee of XXXX XXXX XXXX XXXXXXXX XXXX are constantly calling and harassing consumers. Somehow of another XXXX XXXX XXXX are able to file suit on debt that are well past the statue of limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
I have been receiving letters for almost 2 years about a mortgage that XXXX County Ohio revitalization has taken over. Servicing Corporation has been sending letters stating that I owe a principal amount of XXXX, with an escrow adjustment of {$240.00}. 

I got a letter yesterday, XX/XX/18 with a balance due of {$0.00}, however stating " the borrower remain liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the borrower may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be  purchased, assigned, or transferred ''. 

The debt in question is not listed anywhere on my credit report ever or as of today XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX  for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX  XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: AZ

Complaint narrative:
XXXX XXXX has submitted the incorrect information to the credit bureau 's. They claim and are reporting an amount that I believe is incorrect, and completely false. I have written a letter to them requesting that this information be verified as I dispute this information ; however they did not mark the account disputed on my credit file within the 30 time frame required by law, nor have they responded to my previous efforts to communicate with them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXXXXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received notification from myfico that a personal finance account was removed from my credit report. The account referenced was an account that I have had since XX/XX/XXXX. It was one of my favorable accounts. XXXX XXXX XXXX. This account I paid as agreed and it was a good account. However, somehow this account was removed from my credit report without a dispute from me. When I called Transunion the rep tells me that the creditor XXXX XXXX XXXX is the one who removed the account. I then asked for documentation that the creditor removed it because they wouldn't have had any reason to yet the rep said he could not provide me with any proof. I'd have to get that from the creditor.

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 2018-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. 

At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. 

Now, after a long time, I have started receiving new spam mail from PNC Bank. 

I have attached scanned copies of the front and back of the new spam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I took out a loan back in XX/XX/XXXX to attend XXXX College which at the time my servicer was SallieMae, but was soon after taken over by Navient. Over the course f a few years I have been trying to get my payments lowered and my co-signer who happens to be my ex-wife removed. I always being told that there is nothing the can do and I'm all out of options. I'm being charged a ridiculous amount of much of which I'm barely able to take care of myself and my children at this point. As of resent I started doing some research and also consulted my attorney and found that the school I was attending closed it door on XX/XX/XXXX but I never informed of this information. When asked or questioned about it I was bounced around from person to person and my questions were never really answered.

Company response to consumer: Closed with explanation