vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Monday, XX/XX/2019, our car was burglarized and multiple credit cards stolen ( in XXXX, CA ). Those cards were then used fraudulently ( between XXXX XXXX - XXXX  ). 

The most significant fraudulent charges came through a Square Reader - all using a different credit card by a company called " XXXX XXXX XXXX '' - for even amounts of {$500.00}, {$1000.00}, and another {$1000.00} through three separate transactions on different cards. 

Our credit card companies are making us whole ; however, it is apparent that using different credit cards by one Square Reader is a pattern that won't be detected by one credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
I have had this loan with M & T Bank since XX/XX/XXXX, As of XX/XX/XXXX, they call me every month between the XXXX and the XXXX of the month even though I have NEVER missed a payment and NEVER have been late. I pay my bill with them directly through their website on the XXXX, plus I receive a paper bill every month. I spoke to my mortgage broker who advised me that the next time I call to mention the CFPB, which I did and the representative stated that they didn't have to abide by the CFPB and that they wold continue to call me.

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 2019-06-05 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hi, Experian is showing I have 4 years and 9 months of credit history. This information is inaccurate as I have more than 20 years of credit history with home and car loans and credit cards.

I am Under Contract for a home and because of this inaccuracy, I am not in the Excellent category for lending terms.

I have no derogatory marks on my credit and no other debit than a mortgage.

I have called Experian on the following dates and times to have this issue resolved : XX/XX/XXXX at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX ***The total time spent on the phone is over 3 hours.

The first time I called I spoke to an agent by the name of XXXX who told me " my Experian file was corrupted '' and that he had never seen this in a file before. He said it would take 3-5 business days to resolve and my the Reference Number for my case is # XXXX.

I spoke to a Supervisor by the name of XXXX  today at XXXX XXXX. After I was told again the " department '' who handles this error still has not reported back to them, I asked to speak to his supervisor. He said he would not transfer me to anyone else and after I insisted on speaking to his supervisor, he hung up on me.

I am supposed to close on my home loan in 30 days. I have relayed this information to Experian on every call so they understand the urgency of this matter but I am not getting any resolution.

I know your process can take up to 60 days to resolve. Is there any way to expedite this case given my timeline to purchase this home? If I don't have this corrected, I will suffer for 30 years with a mortgage interest rate above what I should have so time is truly of the essence.

Many thanks in advance for your help.

Kindly, 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 2019-06-05 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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I have disputed this account for over six months keep getting the same answer, I don't understand how they can verify it with the Burea but when I called they had know information on the account, ... I was never late XX/XX/2016, and how is there a monthly payment of XXXX on a closed account ... im requesting a deletion of this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been trying to work on the fraud that occurred on my account in 2018. I have a credit card that has {$0.00} fraud liability and the company keeps insisting that I was responsible for the charges. 

I have been in contact with XXXX XXXX Research & Remediation Analyst, Executive Office for Wells Fargo. After many phone calls with XXXX, she was finally able to obtain some of the receipts from the many that were disputed. Of these receipts, there are more than 4 signatures that are radically different from how I sign all of my purchases. 

XXXX sent this back to the Fraud department for reconsideration and they have now ( twice ) just closed the case without reviewing the evidence and state that I must provide new evidence. 

I have given them the copies of the receipts showing that the signatures are radically different, including the fact that during two of the transactions that times were provided for, I was at work approximately 35 miles away from the location. 

The company has since and repeatedly put negative credit information on my credit report and has effectively ruined my credit because of this, causing my purchases of cars to increase from 2.54 % APR to over 12 % for the past two vehicles that I have purchased in the past year because they are not willing to honor their {$0.00} fraud liability contract that they have with me.

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 2019-06-05 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: TX

Complaint narrative:
I sent all the paperwork that the credit bureaus ask me to send them to have the accounts remove from my credit that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a situation that transformed at Chase Bank. Unfortunately, on XX/XX/2019 some recurring charges came in to my account and made my account insufficient so, Chase charged my account {$34.00} Twice. On XX/XX/2019 same situation took place and Chase charged my account another {$34.00} Twice. On XX/XX/2019 some transaction took place and put my account into a negative and Chase charged my account {$34.00}. The rest is as follow : XX/XX/2019 {$34.00} - XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ).  The total of all the insufficient fund fees Total ( {$510.00} ). So all these excessive charges are done in less than a month. Unfortunately we all fall into a situation like this due to delay in deposited funds or hold that Chase places on checks or just simple oversight. I believe Chase should have a ceiling on how much they can charge in a period. I consulted with Chase bankers and they would not help. I am on fixed income and the funds that they confiscated is 50 % of my social security check. If all this deductions are not deducted from the account, there will be NO insufficient funds. for recurring charge of {$10.00} insufficient fund, Chase charges {$34.00} and so on and so forth. Chase should be more cooperative and understanding and not to excessively charge client account in this difficult and bad economy. I am on a fixed income and charging me {$510.00} for fees in one month is ridiculously absurd. I need your help in rectifying this issue with Chase and stop chase from overcharging the public. We are working hard to survive and pay our bills and not unethically to be given to Chase. I am on top my account and finances and usually if this issue repeated, I always add more funds to my account as needed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citibank account online on XX/XX/2019. I received a debit card, and the checking account. I made two deposits in the account. Because i was told if i didnt, the account would automatically close in 30 days. To my knowledge my account was open. My employer sent me a XXXX transfer for {$2500.00} on XX/XX/2019. I called because although i saw the money, i couldnt transfer the money to my XXXX  XXXX XXXX account. I was told that i had to upload my ID, social security card and utility bill. 

The next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them. Rent is due and i need to pay my rent. I also explained to them that a late fee will be applied. They said everything takes 5-10 business days. 
My issue is if my account wasnt all of the way opened, or if any account is opened online.. where is a disclaimer saying that your account is not fully opened. And why take deposits until you gather everything you need to make the final decision. I plan on going to small claims court and suing for XXXX.. because this is absurd. No one has yet to help.. i have even contacted the ceo of Citibank, and no reply or call back 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 2019-06-05 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: TX

Complaint narrative:
SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
the XXXX XXXX XXXX XXXX sent me a bill for a toll infraction in or about XX/XX/XXXX. I responded letting them know the vehicle was a lease and returned to the dealership in XX/XX/XXXX before the infraction. They asked for proof of the vehicle return, which i faxed in. The XXXX  responded wanting more documentation of the vehicle return before the infraction date. I faxed more documentation as requested. On XX/XX/XXXX I received a collection notice if I didn't dispute the validity of the debt within 30 days the collection would be considered valid. Unfortunately the 30 days ends today and I have to pay even though the debt is not valid. 

I would like to attach documentation at future date

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 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Unaware of this debt.It only shows on my XXXX.I have no idea where this is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality Asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. 

QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$440.00} {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
My card was cancelled without any communication. " except a letter that was mailed the day it was closed '' that I still haven't received. I have been in good standing with the card and made my payments. Now I've made medical arrangements for a procedure that I was having on that card in 8 days and Will no longer be able to have the XXXX  procedure because I can't use this card to pay for it. The scheduling has been six months out. I have also found their communication to be rude and never customer focused. It's unfortunate that I have had to count on them. I will never use their service again or recommend to anyone. That's too bad because I gave them great reviews initially. For the Interest rate  they have associated you would think they would be easier to work with. After being on the phone for 10 minutes to file a complaint there was still no indication they would even file a complaint.

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: OH

Complaint narrative:
ok, I sent out verification letters for them to never had first energy still stay with my parents, they responded and said they sent something out XX/XX/XXXX I sent a validation letter out on XX/XX/XXXX and have yet to hear anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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 dispute the XXXX XXXX XXXX XXXX belongs to me. I have request debt validation from XXXX and have been denied access to documents required by law. I am re-questing a re-investigation and the method of verificatio under the FCRA section 611 ( a ) ( 7 ). 
Please provide this information within 15 days of the request. 

I have also uploaded copies of Consumer Federal Protection Bureau documents sent by XXXX showing how they have not been able to locate my account, then went on to deny me copies of any documentation to show any validity to the claim of this account. 

How can a company deny me copies of a contract, bill, or legal right to collect any debt they have reported and Equifax be able to verify it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: NC

Complaint narrative:
Equifax is reporting duplicate entries of the same account on my credit report for the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: Diversified Consultants, Inc.
State: WA

Complaint narrative:
DIVERSIFIED CONSULTANTS in XXXX, FL contacted me about {$58.00}. XXXX could not prove that I was informed of a {$100.00} early cancel fee. XXXX kept {$42.00} overpayment on the account then DIVERSIFIED CONSULTANTS accepted my {$58.00} payment to them based on an understanding that it was never proven that the money was owed. I am trying to purchase a home and my credit score has gone from the 800 's to the 600 's and I have already paid now {$100.00} I never agreed to. I am being held XXXX when I tried for months to have anyone provide a shread of evidence that the {$58.00} was owing. If there was evidence I would have paid it in the first place. The order was placed by phone and early cancel fee not disclosed. DIVERSIFIED CONSULTANTS needed to provide evidence. This is a bad faith action and a violation of the Fair Debt Collection Practices Act. This is a fraudulent collection of a debt which makes DIVERSIFIED CONSULTANTS liable for damages, attorney fees, and court costs. The {$58.00} was paid in XX/XX/XXXX and I discovered it has not been removed from my credit report XX/XX/XXXX when I started the loan process. I can not afford a higher interest rate of thousands of dollars because of paying {$58.00} I did not owe. On XX/XX/XXXX I sent a certified letter asking for a refund and that DIVERSIFIED CONSULTANTS remove this fraudulent collection of a debt from my credit report.

Company response to consumer: Closed with explanation