vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2016, Wells Fargo dealer services put on our credit report that we owe them {$10000.00} and wrote it off the reason for the collection, was because they refused to work with us to catch up on the payments after I was hospitalized. We agreed to have them pick up vehicle, before they picked it up I had my mechanic inspect it from top to bottom to make sure everything was in perfect working order and there was no damage to the vehicle. They then called my insurance company a week later and tried to make a claim. Telling my insurance company that the rear quarter was destroyed on the vehicle, which was not true and the insurance company refuse to pay because they damage the vehicle. At that point in time when they said they were going to write it off I never expected to see it on my credit report because the damage was done by them and they are responsible at that point. I could not sell the vehicle for a reasonable amount of money because of the damage that was there I believe the law should have been on them not on me. When I tried to dispute it the only thing they did was say that it was correct. No explanation on why it was correct, no explanation on why they did not take responsibility for the damage. And the only thing on my credit report that I put on there was that I disagreed, but I actually gave the whole story to be put on my credit report and they never did that. At this point in time it has destroyed my credit for the last 2 years. And I do believe that wellsfargodealerservices should pay me for the destruction of my credit when it was actually their fault.

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 2019-02-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
J P Chase Morgan has continually added and subtracted a balance of {$1000.00} to my Mothers ( who passed away XX/XX/XXXX ) checking account for almost a year, resulting in my inability to close the account. Chase has stated they are recouping a Social Security payment. However, the Social Security payment was already recouped, and this is evident in the banking statement. The bank has acknowledged that the amount is not owed, as they have repeatedly removed the amount from the account. Only to attaches the amount back on the account. I have communicated repeatedly with the bank, and have been transferred from department to department with each represtative passing me off to another with no explaination. 
In addition to the above, today XX/XX/XXXX, Chase has attached an additional new fee of {$1000.00}, for a total negative balance of {$2100.00}. I went into a local bank, inquired about the status of the account with the new transaction, and after making several telephone calls the branch manager was unable to obtain any information as to why the new transaction was add to my Mothers account. I have banked with Chase for several years, and have many accounts ( a auto loan, credit card, checking & savings, my childs high school account ), all of which I have never missed a payment or had a late payment on. I really enjoyed managing my finances with this institution. To say that I am disappointed is an understatement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I believe that citizen bank is knowingly commiting consumer fraud with advertising and offering overdraft protection. On the morning of XX/XX/2019 asi walk to work I check my account to find the insurance policy I recently purchase being debited from my checking account. This transaction made my account negative. Less than 24 hours I transferred money from my saving account to cover the transaction, however the bank had already charged the overdraft fee. What is overdraft protection for if the consumer still gets hit with overdraft fees less than 24 hours of a transaction even after covering the overdraft balance? The bank does not have the best interest of the consumer and I feel like they are fraudulently offering protection from overdraft and charging overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 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: TX

Complaint narrative:
I am a party to Experian Data Breach Class Action, Claim # XXXX. I am a DIRECT victim of Experian Data Breach and have nine ( 9 ) HARD INQUIRIES that I dont recognize. I have spoken with Experian with no help from Experian. I noticed the hard inquiries that I do not recognize and I am supposed to be protected by Sec 611 Fair Credit Reporting Act with 5 day notification letter of reinsertion of data on my credit report which never happened. I will list the HARD INQUIRIES : and Date of inquiy : ( # 1 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, date XX/XX/XXXX, ( # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, date XX/XX/XXXX, ( # 3 ) XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX date XX/XX/XXXX. 
( # 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX   date of inquiry XX/XX/XXXX, ( # 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, date of inquiry XX/XX/XXXX, ( # 6 ) XXXX XXXX   Unspecified inquiry date XX/XX/XXXX, ( # 7 ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX UT XXXX, date inquiry XX/XX/XXXX, ( # 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, date of inquiry XX/XX/XXXX ( # 9 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  date of inquriy XX/XX/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 2019-02-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX  XXXX XXXX  as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
WESTERN SHAMROCK XX/XX/XXXX {$2800.00} XX/XX/XXXX WAS DELETED AND APPLIED BACK ON MY CREDIT FILE AS A " NEW DEBT '' XX/XX/XXXX FOLLOWING FTC REPORT OF IDENTITY THEFT. ( WHICH IS AGAINST THE LAW )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I kept getting calls from these 3rd party, morning, noon and night. XXXX, I just started a new job, I have not yet settled to pay back the loans. I was already in a hardship with sick parents, but the student loan 3rd party whoever they are, decided to garnish my wages, which they threaten me, calling my job and my family non stop. It was harrassment. And then XXXX, my federal refund was taken from me. I have nothing to help my family because of this. I hate you people for it. This is my official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
repeatedly attempted to reach portfolio recovery associates about a incorrect account on all 3 of my credit reports. I am not getting a response and the information is stopping me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX : The initial problem that started this spiral down effect in NSF and Overdraft fees to my checking began as a result of two ( 2 ) Spousal Support payroll deposits of {$110.00} each that I made through the Bank of America Mobile Banking App. 
These checks are always in same amount of {$110.00} and the maker is XXXX XXXX XXXX. I usually have deposited them once or twice a month for several years. 
However, this is absolutely the First time that Bank of America has taken such a stringent position and placed a ten ( 10 ) day hold on one of these checks and it was not released until XXXX. The only " inconsistent response '' that the bank told me is that they had a " suspicion '' that the check may be returned for Non-Sufficient Funds. This has Never happened, and 10 business days is an  exceptionally long time to place a hold on a check of {$110.00}. 
This hold caused so much chaos to my account. I was transferring money from another account. I took out a " Pay Day Loan '' to avoid the " Massive Amount of Fees '' that were still accessed and " unfairly '' deducted from my account. 
XXXX = {$35.00} NSF and XXXX = {$35.00} Overdraft. [ Only One Example ] Although my other monthly electronic check was deposited on XXXX my checking account NEVER recovered from XXXX as a result of Bank of America charged me an " excessively burdensome total of {$630.00} in " unfairly assessed fees from XXXX thru XXXX. As a result, my checking account for XX/XX/XXXXwas already in arrears of $ XXXX as of today, XXXX, I only have {$69.00}. 
It is very difficult to follow the transaction history. For instance, on XXXX my purchases were shown as pending : XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. Then the following day, XXXX these same transactions were deducted again - XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. This types of " double postings '' further overdrew my account. I wrote one check # XXXX for {$36.00} on XXXX and I was charged {$100.00} in NSF fees : XXXX = {$35.00} ; XXXX = {$35.00} and XXXX = {$35.00}. My statement ends on XXXX so the 3rd NSF fee is NOT reflected. " Electronic checks were posted paid and I was charged Overdraft fees and then these same Electronic payments to my creditors would be returned and then I would be charged NSF fees. '' This is a time when I truly feel that my small checking account was " financially manipulated and abused '' and I was " unfairly assessed '' and now I have only a Small Amount of Money = {$69.00} and it is just XX/XX/.

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 2019-02-07 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: HI

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX 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 explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX   and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: HI

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This account from national credit adjusters is reporting incorrect information on all three credit bureaus XXXX, XXXX  and XXXX. This incorrect information is stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have incorrect 30 day, 90 and 120 day late payment on my Navient accounts but have documentation showing current and correct payment amount. I have repeatedly asked Navient to fix the incorrect information on XXXX, XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late marks are hurting my credit report and preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: GA

Complaint narrative:
I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, XXXX and transunion for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.

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 2019-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have incorrect 30 day, 90 and 120 day late payment on my XXXX  accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on equifax, XXXX   and XXXX  for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, experian and XXXX for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management has incorrect information on my XXXX, XXXX  and XXXX credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.

Company response to consumer: Closed with non-monetary relief