vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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:
I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX -XXXX XXXX - XXXX XXXX  XXXX XXXX APTS -XXXX XXXX XXXX APTS -XXXX  -XXXX XXXX APTS These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Filed a dispute with XXXX and Equifax for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, XXXX had everything fixed in a week but XXXX  isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent XXXX a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
Fed Loan Servicing has not counted my PSLF qualified payments correctly. I originally had one subsidized loan and one unsubsidized loan. FedLoan servicing split my unsubsidized loans into two " new '' unsubsidized loans without my permission or consent and this caused the payment count to be off. Both the old loans and therefore all three of the current loans should have the same number of qualified payments counted. I have been trying to get PSLF directly and through the ombudsman to get the payment counts fixed for the last 18 months but nothing has changed. When I call I am told that they have no idea when the recount will be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
There are 21 months of payments that were not counted for the PSLF program after Fed Loans took over the loans from my servicer. I have been told that it would be updated, and each time I call I am told to call back for later updates, I.e. wait a few more months, that my analyst no longer works there, etc. My last mail notification states the qualifying payments has been modified ; however, it has not changed. I have emailed, called and been given misinformation with continued no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
I have an account on XXXX and have done XXXX. My account had more than XXXX and on XX/XX/XXXX company automatically deducted 16.16 % of my total XXXX. They said they found some borrower have defaulted and they have a loss of XXXX XXXX. To cover it, they are cutting principal amount by 16.16 % to all non US citizens. We lend virtual currency using their platform. XXXX get flat 15 % of the total interest that we get. So if their is any problem in their system, it is their responsibility to manage. They can not deduct from our principal amount. I have not earned that much from lending in 2 years and they deducted more amount in one go. Plz help me. My registered email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX )  XXXX****, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 2019-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was contacted via phone around XXXX XXXX XX/XX/XXXX by a man named XXXX XXXX who said he was with XXXX XXXX collecting a payday loan debt from Check N Go. He threatened me with legal action, stated if I didn't pay today, civil court proceedings against me would occur tomorrow in my county court, I would be sued, and my credit would be damaged for the next ten years. I panicked, as I had used Check N Go in the past when I first moved to XXXX from XXXX to help pay the deposit on a new apartment. I agreed to pay {$50.00} of the ~ {$270.00} debt. After I hung up, I realized it may have been a scam. I called my bank to see if the hold for the {$50.00} had been placed and they identified the transaction as going to a debt collection company called XXXX XXXX. Research into this company with the XXXX uncovered a XXXX rating of F and several alerts. I then logged into my Check N Go account and found the original password had been changed. I changed it and there was an unpaid debt of {$110.00} on there from XX/XX/XXXX. I paid my previous loans and had no need for the service anymore, as I had been at my new job for a couple months and had steady income. The other red flags this call elicited was that the caller used an old address from several years ago, stated that the check stubs were from an employer for whom I worked until XXXX of XXXX -- and through whom the payday loan would not have been accepted because the last check I received from them was in early XXXX of XXXX. He did not have my current address. I contacted the police, who took a statement. I then contacted the county courts to see if small claims or criminal courts had any cases against me -- there were none.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NC

Complaint narrative:
I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 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 2019-06-11 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: Nelnet, Inc.
State: MA

Complaint narrative:
There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX  and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
1. I had several fraud transactions on my business checking account. As soon as I noniced them I called to bank ( XX/XX/2019 ) and opened the claim. Next day ( XX/XX/XXXX ) I came to US bank branch at XXXX XXXX XXXX, XXXX, CO XXXX where the banker helped me to fill the papers regarding my claim ( 5 unautorized transactions ). The bank returned my stolen money from 4 transactions. But denied the first one dated XX/XX/2019 of the amount of {$480000.00}. At first they said it was over 60 days between transaction date and the date I filed complain. What is lie, because it is actually 57 days. From XX/XX/XXXX till XX/XX/XXXX. Then When I showed the bank their mistake, they send me a letter saying that because I filled the papers incorrectly it was too late to make a refund of {$480000.00}. That is true. I had to come to branch again later and fill claim papers again. But on the first time I followed the instructions of US bank business assosiate and did everything as he told me. And that was his fault that my claim was filed incorrect. Bank did not notify me about any mistakes in my claim and I learned only during my next call them. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX, branch Assistant manager - is the person who was helping me with my claim and failed the prossess. Also the papers were filled by me in barnch in person on XX/XX/XXXX, but claims department received them on XX/XX/XXXX. They we sent via fax by bank associate and it took several days to come over fax!. or no one did not really sent them that day. I dont know has it been made by purpose or by mistake. 

2. I filed the claim on Consumer financial protection bureau regarding this situation, trying to return my own money that I trusted to this bank. After this bank closed my checking account with all my money of aprox. {$27000.00} and my credit card. I did not have any issues with both of them and was a loyal customer

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 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have no knowledge of these accounts listed on my credit report. I would like to have them removed and have my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: MO

Complaint narrative:
I'm disputing the following two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX  {$3200.00}, ( 2 ) XXXX XXXX XXXX {$1700.00}, the credit reporting agency Experian did not properly investigate or disclose the Method of Verification into this matter. It was a demand to know requested. Instead of providing me the consumer with the details and certified physical documentation, Experian violated my consumer rights by accepting electronic Verification as proof. Therefore these accounts shall be removed/ blocked immediately. If Experian continues to violate my rights, I will file with the FTC and start suit. Experian has hindered me from buying a home and showing poor judgement via my credit file. Also please remove any and all remarks.

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 2019-06-11 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX, XXXX, XXXX all display record of " delayed payment '' related to an old car lease through Kia Motor Finance. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX Phone. XXXX-XXXX-XXXX  Fax. XXXX-XXXX-XXXX Lender Kia Motor Finance Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, there were 4 fraudulent transactions of {$1100.00} on my credit card ending # XXXX. Bank of America detected these transactions and sent me a phone message to verify is this was me. I said no, and immediately contacted them to cancel the card and open the investigation. 
XX/XX/XXXX. I received notice in my Desktop app of Bank of America, stating I responsible for all four transactions, as follows Our records indicate that the card was present at the time of the transaction ( s ) as the chip on your card was read. In addition, your PIN may have been entered or a signature obtained. As a result, youll be responsible for the balance on the account in accordance with your Account agreement. Since Desktop app way was the only was I was notified ( no email or mail ), I noticed this message by end of XXXX. Bank of America provided no further evidence for the statements above. 
XX/XX/XXXX. I personally go to Bank of America, with a document written, asking them to re-open the case, and provide me the following : 1. The exact timing of transactions ( made with credit card ending # XXXX ) between period XX/XX/XXXX to XX/XX/XXXX. Apparently these were in-store transactions which I have never authorized. What is more significant, credit card was with me all the time. Thus, I asked for this information because I could possibly prove that I was not present during these transactions. 
2. Proof that my chip card was read, in addition to the proof that either PIN was used or my signature ( with signature scan ) 3. List of all transactions attempted with credit card ending # XXXX in the past two years, that is between XX/XX/XXXX and XX/XX/XXXX. This was related to two things - a ) I suspected that there could be more fraudulent transaction attempts, which are not visible to me as an end-customer of BoA, b ) I havent been using the card ending # XXXX, ever since I opened another reward card for better in-store deals ( that is in past two years ). 
XX/XX/XXXX. I got mail from BoA, stating, " We've received your dispute regarding our decision on the fraud claim. Our decision hasn't changed '' Bank of America provided me no evidence about their investigation that I have asked for, I was found responsible for transactions even though I stated I haven't done it in via messaging system, and their communication with me was done very poorly and scarcely.

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 2019-06-11 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:
XXXX, Transunion, XXXX  all display record of " delayed payment '' related to an old car lease through XXXX XXXX XXXX. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone. XXXX Fax. XXXX XXXX XXXX XXXX XXXX Account # : 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 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the Wells Fargo location located at XXXX XXXX XXXX XXXX XXXX California XXXX. 

I went there to perform currency exchange after directed to the location by corporate customer service. 

Despite the corporate office explaining to me in detail that an account was not needed in order to conduct currency exchange, the location asserted that an account needed to be opened in order for them to conduct the currency exchange request. 

As such I obliged their request to open a checking account for the purpose of the currency exchange. 

They then told me that there was an account from 2012 that was in my name. They said that they could not reopen the account until I paid the XXXX. As such, despite having no recollection of the account and having had never received any notification of any previous account, I paid the XXXX for the unsubstantiated 2012 account. 

They did not reopen the account but created a new account to which they told me I needed to pay an additional XXXX deposit. As such I did. 

They then allowed me to conduct my currency exchange request. They informed me that meeting their demand to payoff the aforementioned 2012 account meant that my account was once again active and running. 

As such I immediately performed an ACH Bank to Bank transfer to my Wells Fargo account in the amount of XXXX. However, I was informed by email the following day that my account was set for closure on XX/XX/XXXX due to early warning services. 

The entire situation was unfathomable. Firstly, there was no need to have an account in order to perform currency conversion. Secondly, the 2012 account had not been substantiated and I would not have paid XXXX to reopen such an account and pay an additional demand for a XXXX deposit should the access until be set for closure the following day. 

I, without a doubt, was unequivocally taken advantage of in the worst way and lost money and incurred financial damages as a result of the false promises and misleading information provided by the branch.

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 2019-06-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
TO WHOM IT MAY CONCERN IM CONFUSE I BEEN BATTLE WITH EXPERIAN ABOUT A BANKRUPTCY THAT ONLY SHOW UP ON MY EXPERIAN REPORT THAT IS INCORRECT INFORMATION. XXXX AND XXXX DO NOT HAVE A BANKRUPTCY SHOW ON MY CREDIT REPORT. I NEVER FILE BANKRUPTCY IM TO YOUNG AND YOU GUYS HAD TO MAKE A HUGE MISTAKE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
After submitting a complaint about payments being misapplied to principal causing it to appear I am late on one payment, Today I received noticed from Wells Fargo that they received my complaints and a notice of pre-foreclosure. Even if their records are accurate ( they are not ) I would only be two days past due on one payment that has already been paid. This feels like retaliation that after getting my complaint, Im getting notices of foreclosure. I want this investigated.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I got a call one day saying I owe XXXX for five phones I never received or ordered and they went to some address I dont even know because the account didnt start at my address it just ended up at my address because I gave the person on the other end of the phone my address to dispute it but I just figured I could dispute it with the credit bureaus because it is not my account and it didnt start from my address somebody stole my information and used it to open this account. Please could somebody help me with this situation because it is not my account Diversified consultants date updated XX/XX/2019 Amount owed XXXX Original creditor XXXX XXXX That doesnt even sound like a real XXXX  store

Company response to consumer: Closed with explanation