vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 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: LA

Complaint narrative:
XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.

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 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was notified of a charge to to my local XXXX of {$1000.00} made on my Wells Fargo banking debit card. I filed a dispute with Wells Fargo and submitted proof that I was at work and the card was in my possession during the time of the transaction. Wells Fargo dome a dispute investigation and informed me that I was in the wrong and denied the claim due to the fact that my banking card had to physically be at the store location during the transaction

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 2018-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX card issued by XXXX Bank. I paid my balance in full and closed the card. Now they are hitting me with phony late charges and the account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.

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 2018-08-26 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:
Greeting, I have submitted to the credit bureaus Transunion and XXXX within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.

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 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX ) and the debt collector.

I need to see any documents in its original form bearing my signature.

I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested.

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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:
Greeting, I have submitted to the credit bureaus XXXX  and Equifax within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) AMERCIAN EXPRESS ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX  ) and the debt collector. 

I need to see any documents in its original form bearing my signature. 
I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested. 

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to 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 2018-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently applied for a lease. In the process of this I found some problems with my XXXX  report ( This issues has escalated to the point of where I filed a separate complaint to address it complaint # XXXX ). 

I tried to do an annual free credit report with Experian. Upon doing so I received an error message instructing me to call them. Upon doing so I was repeatedly sent through their automated system. This system would tell me It had resent my password and then disconnect me. After numerous attempts I was finally able to speak to a customer service representative. Over about 45 minutes on the phone they said they had reset my password and username ( although neither of these were ever the issue ). 
I was told to wait 20 minutes and then log back in. 

Upon attempting to log back in I was met with the same error message. The above process was repeated for 4 days in a row. 

On the fourth day, the representative I spoke to tried to lock me out of the system for giving " incorrect '' email address, username, and security questions. I was finally able to convince him of my identity, where in the above detailed reset process was initiated. 

On the fifth day, we went through this all over again. HOWEVER, at this time I was able to determine that someone else had been trying to access my account with a fraudulent email address and user name. Experian tried to lock me out of my account because I didn't know the name/information used on the fraudulent account. All told I have spent some where on the order of 12 hours on the phone with experian in the last 5 days and they still can not resolve the problem. 

In the end this account was listed as false and reportedly deleted. Yet, I am still unable to log in to my account nor can I access my credit report or credit information on file with experian. I am also unable to ascertain what information they have been sharing with other & illegitimate parties. I can not confirm or determine if the fraudulent account was actually deleted.

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 2018-08-26 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: MI

Complaint narrative:
Dear Sir, I have run the Experian Credit Report dated XX/XX/2018, Experian kept on reporting false information on my credit report. I have communicated my personal information multiple times name, address, SSN, date of birth and various identification details. Experian kept on mentioning wrong details of name and address. I have also communicated to CFPB as well as Experian Multiples times on my name, address and various details. Experian have communicated to CFPB that they correctly mentioned my name and address, again they mentioned various wrong details of my name and address. 
Could CFPB kindly direct Experian to disclose the details of the creditor, who reported the wrong name and address in the credit report dated XX/XX/2018. 
Could CFPB to take appropriate action against Experian for entertaining wrong name and address in my credit report for granting access to creditors even though it was notified to Experian multiple times through CFPB and all the complaints are part of the record.Could CFPB kindly direct Experian to remove the wrong name and address from credit report. Experian holds the accountability and responsibility for creating troubles to consumers and keep entertaining the wrong names and addresses in my report.

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 2018-08-26 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX  : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ALLY FINANCIAL ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; and 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 2018-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
-Made final payment on XX/XX/18. 
-Account is now - ( {$67.00} ) and being charged interest on that. 
-Notified Navient and received no correction. 
-Requested letter of stating loan was paid in full ; received nothing. 
-Disputed credit report through XXXX and XXXX for account accuracy. 
-Navient marked loan on credit report as " Closed '' which dropped my score. 
-Have screenshots of payment history showing a {$0.00} balance. Also have screenshots of account with negative balance and interest being charged on that surplus of funds for a paid off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a cashier check in the amount of {$12000.00}. Immediately after receiving the check, I left the bank enroute to XXXX. I placed the, check, wrap in plain white paper in an unaddressed envelope, given to the XXXX. The XXXX, according to their standard, placed the unaddressed envelope in their overnight mailing envelope. The mail to address, after being confirmed by me as being correct. I was given the shipment receipt, showing that a signature from the recipient was also required. As of this date ( XX/XX/2018 ), the shipment had not been delivered. I went to the Bank of America office where the check was purchased, starting on the XX/XX/2018.I 've also made several phone calls requesting. stop payment on the cashier check. The response I always received. was that no stop payment until after 45 days after check was created.I felt that was not fair. If the check was cashed by the wrong party, the loss would not be the banks, but mine. The cashier check in question is still floating out there. I've also contacted the XXXX several times, including today ( XX/XX/2018 ). Their latest response : Tracking package and investigation. I have copy of check and XXXX mailing receipt

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 2018-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX   XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. 

In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.

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 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For the last three days in a row, I have received three calls a day, and today there have been two calls so far. All calls have come during hours when I have been at work and unable to take phone call or handle making a payment on my balance due. One of these calls also came late at night, at XXXX XXXX. The calls came from ( XXXX ) XXXX at XXXX, XXXX, and XXXX XX/XX/XXXX. Then from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from same number at XXXX and XXXX XXXX so far today XX/XX/XXXX. The company doing this is XXXX XXXX/Care Credit for my Care Credit account which I started very recently to help pay for a hefty vet bill

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 2018-08-26 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: ERC
State: AZ

Complaint narrative:
I first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.

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 2018-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCORPSOUTH BANK
State: NY

Complaint narrative:
I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.

Company response to consumer: Closed with monetary relief