vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX BANK 2. XXXX XXXX 3. XXXX XXXX XXXX   XXXX 4. XXXX XXXX/ XXXX XXXX XXXX XXXX 5. 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 2018-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX, spoke to XXXX at Wells Fargo in order to close Portfolio Line Statement Account. XXXX said I had to write a letter and send it to : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. In the meantime, I paid {$25.00} annual fee. I never sent the letter. 

XX/XX/XXXX I asked my daughter to call Wells Fargo for me because I received another statement where I had to pay {$25.00}. My daughter was told there was a {$12000.00} collateral on this account and that is why a letter had to be written. The gentleman said not to pay the {$25.00} because Wells Fargo would take {$25.00} from the refund I was due. 

XX/XX/XXXX. Spoke to XXXX and then XXXX, supervisor. They provided fax number ( XXXX ) to send letter. XXXX said it would take two months to receive refunds because this money was in stocks and bonds. XXXX explained this was a Tier Line of Credit, a secured Portfolio line initiated in XXXX. XXXX said she did not have a call back number. XXXX said she would send us a copy of the original contract initiating this account to us. Letter was faxed to Wells Fargo requesting account be closed along with death certificate of my spouse and call back numbers for me and my daughter. 

XX/XX/XXXX Spoke to XXXX requesting confirmation fax was received. XXXX said we would receive letter in the mail confirming request to close account. 

XX/XX/XXXX We have not received copy of contract or confirmation requesting to close account. Called Wells Fargo at XXXX. Spoke to XXXX who said account was closed on XX/XX/XXXX. XXXX said there was no collateral on this account. After we told her she was the first person to tell us that she corrected herself and transferred us to XXXX in Premier Accounting. XXXX could not find the account number and said it did not exist. XXXX apologized and said she was the wrong department and transferred us to XXXX. Once we identified ourselves, the call dropped and they did not call us back.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is report a collection. I want this erroneous information remove from my account 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 2018-08-13 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: TX

Complaint narrative:
There are two addresses present on my credit report. One of them is incorrect.

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 2018-08-13 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: TX

Complaint narrative:
There are two addresses present on my credit report. One of them is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email that I can no longer use PayPal because I was inconsistent with the User Agreement. They did not specify what I did wrong nor give me any valid reasons or solutions. I have a balance of {$1200.00} that they will not release for another 180 days. I can not afford to wait that long to retrieve my funds. This is not fair to hold MY money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The account from a collection called TSI transworld system placed an account on my report that does not belong to me..i explained it to the representative and the credit reporting companies but the are very rude and wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I APPLIED FOR THISE CREDIT CARD AND RECIEVED A MILESTONE GOLD MASTER CARD WITH A {$300.00}. DOLLAR CREDIT LIMIT. AS SOON AS I RECIEVED IT I PAID THEIR {$75.00}. DOLLAR FEE WHICH WAS QUICKLY COLLECTED AND APPLIED TO MY ACCOUNT. I THEN WENT ON TO USE THE CARD, THEN ON THE THIRD OF XXXX I MADE A {$200.00}. PAYMENT IN ADVANCE OF THE REPORTING DATE FOR THE CARD. I RECIEVED A COFORMATION E-MAIL # XXXX THAT IS DATED ON THE XXXX OF XXXX AT XXXX XXXX PACIFIC TIME, AND STATES THAT IF THE PAYMENT IS MADE BEFORE XXXX XXXX  PACIFIC IT WOULD BE CREDITED TO MY ACCOUNT ON THE SAME DAY. THEY PURPOSELY HELD ON TO MY PAYMENT WITHOUT REPORTING THE PAYMENT UNTIL AFTER THE XXXX OF XXXX, I WAS CALLING THEM TO SEE WHY, AND I COUDNT GET AND ANSWER FROM THE XXXX TILL THE XXXX I WOULD CALL TO SEE WHY THEY WERE NOT CREDITING MY ACCOUNT, NOW I SEE WHY.THEY ALSO GO MY THE NAME OF THE XXXX XXXX XXXX, AND 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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is report a collection. I want this erroneous information remove from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: AZ

Complaint narrative:
JPL Recovery Solutions repeatedly calls me even after I have told them to stop. The debt they are trying to collect is not mine and is that of a relative. I have cited the US Code that requires them to stop calling when I asked. They have threatened to continue calling and have told me on the phone that they will dock my relatives pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On the XXXX of XXXX I was approved for a loan with XXXX. I thought about it for a few days as the interest rate offered was high but proceeded to accept on the XXXX of XXXX I then received an email telling me that the loan was declined as they couldn't verify my personal details. No further explanation, yet I have an offer for a loan. I was simply attempting to accept and electronically sign the documents. I emailed them as I couldn't get through on the phones. After getting no response in two weeks, I finally called. only to be told the same denial reason. I was told by the rep XXXX that he knew nothing more and if I wanted more insight I needed to write a letter. Letter? Who sends paper letters in today 's world? Anyway, nothing could be done. This is pretty lame that I'm offered a loan only to have it withdrawn when I'm ready to electronically sign the documents. Just liars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ XXXX toll close to the XXXX, he demanded my credit card upfront for payment, ( first my American Express ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my XXXX XXXX card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions where made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had Amex on the phone while he was still driving me and he was harassing me the entire ride, I made sure the Amex rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX {$240.00} XX/XX/2017 ( 1 yr ) This company has been calling and leaving remarks on my credit report. I have never signed anything or initiated business with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: IL

Complaint narrative:
As a result of MULTIPLE previous disputes with Equifax, the XXXX account on my credit report was updated to " included in bankruptcy. '' However, since this bankruptcy was filed on XX/XX/XXXX, the reporting time has expired. FCRA guidelines dictate that accounts included in a Chapter XXXX bankruptcy can only stay on a credit report for 10 years from the date of filing. Therefore, this account should have been COMPLETELY removed on XX/XX/XXXX. However, it is still on my report showing as " included in bankruptcy. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a call from " Unknown Caller '' Stating the I am going to be summons to court if I don't pay a debt to USBANK of {$760.00} from a checking account that has been closed since 2009. They stated they were a litigation subcontractor for XXXX XXXX XXXX. They would never give me the name of the there company but gave me the address. 
XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX. 
Spoke with XXXX but she would not give me her last name. This company has called at least 10 relatives to tell them that I have a summons against me. I spoke with USBANK and they have no record of debt to my checking, savings, or my unsecured loan which all have a {$0.00} balance. XXXX also, said that I have until the end of day to satisfy payment. I think this is another scam that is trying to make people pay debt that doesn't exist. Please help me crack these people and put them in there place.

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX & XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened. I have always paid on time and never been late. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXX XXXX XXXX for a very long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Receivable Management XXXX XXXX XXXX XXXX, SC This company has been reporting on my report and calling me but not verifying information. They will not verify who they are without me giving them confidential information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I complained to Capital One credit card company via ( telephone and later formal dispute ). I received two different responses on the same day ie ; XX/XX/2018. I called into customer service on several occasions asking someone to to a complete investigation into my complaint including reviewing telephone notes from each time I called in to address the " late payment '' accusations each time. As I continue to say ; This account was supposed to be set up on Auto Pay. AND at the time of me first opening this credit I was out of state. 

I was told by the many different customer service reps that the problem was not caused by me and it " the auto problem '' will be fixed. That is why each time the service fees were reversed. 

After I became aware that the problem would not be fixed. I immediately made payment to correct/ lower the balance. Again, I was under the impression the account was set up for automatic payment deduction each month. I was also under the impression at that time when the account was first open, -- -- that the account would be investigated and corrected and I had nothing to worry about. To LATER FIND OUT that nothing was changed/investigated/updated. I called plenty of times to address this with multiply customer service agents/reps. Please note that the only time I received a letter is a result of filing a dispute with the credit bureau and than following up with two different supervisors. I am not trying to be ungrateful or spiteful. However, this is not fair the way I am being punished for the company not correcting its payment acceptance. I can not rent an apartment or get a job because of this reporting. Please consider making an adjustment for me .... Thank you.

Company response to consumer: Closed with explanation