vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I was speaking to some one from mccarthy bergis and wolf and they put a ms. XXXX XXXX on the phone. Who clearly had an attitude as i tried to explain i was XXXX XXXX during the debt. And then she said you clearly got something going on in your life. Get your life together. I spoke to a XXXX about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-05-21 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: TX

Complaint narrative:
I had a forfeited air Flight with XXXX due to problems with their website. I attempted to contact them from XXXX XXXX. until XXXX XXXX. I tried another number listed for XXXX on XXXX. It was a scammer unbeknownst to me at the time.They promised to get me this special deal to help me get on this flight if I paid for it with XXXX XXXX cards. The guy told me the numbers were not coming through and do it again. {$4500.00} later I finally figured out this was a scam. I notified my bank Wells Fargo and my credit card through Wells Fargo. My check account at this point has restored {$2500.00} to my check account.Wells Fargo Credit card only restored {$500.00}. I still have an outstanding balance of {$1000.00} from this scam and I am of the understanding it is within their power to use insurance to cover this scam. I am retiring the end of this week and am in no position to take on {$1000.00} bill. Can you help please? 
Do not have ability to scan and attach but police file number is XXXX Last four numbers of my account number with Wells Fargo claim is : 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 2019-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Central Holdings, LLC
State: NE

Complaint narrative:
They are trying to contact my Son. But, I have told them to stop calling me. This is a payday loan they tell me. They called at XXXX cst. when I advised the person XXXX I believe it was XXXX She said that was to bad. The next call came from a man that I again asked to quit calling me. Called me a rude XXXX. I have mailed a cease Calling me but, it doesn't work They call every other day with the same request to contact son, And was told they will keep calling until XXXX XXXX returns their call. I want them to quit calling me and they tell me they don't have to stop. They have called from XXXX and XXXX This Company goes under Credit Central and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
XX/XX/XXXX I purchased a home using my VA home loan certificate. As of XX/XX/XXXX I am property tax exempt Due to receiving the XXXX Veterans ' Standard Homestead Exemption and based on my XXXX rating. But the way XXXX XXXX did the closing paperwork and cost, I have to pay the taxes owed for XX/XX/XXXX-XX/XX/XXXX. Now as of XX/XX/XXXX The money Source ( TMS ) received the full tax bill for the 8 months owed and paid out the full amount, so I owe {$0.00} and they have this on their records and the tax exemption document from the county. Now they tell me they have to do an Escrow analyst and that can take 60-90 days ( 2-3 MONTHS! ) and its scheduled to be complete on XX/XX/XXXX. So I have to pay over {$500.00} a month in property taxes ( That I dont owe ) until XX/XX/XXXX ( which means XX/XX/XXXX will be the first month with new monthly payment ) then they will cut me a check for any amount over {$50.00} in my escrow that isnt owed. Why are they legally able to keep collecting a large amount that I do not owe and they have everything required to adjust the payment accordingly? It seems as they are holding/collect longer than they should be. 


Loan # XXXX Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi there, This morning, I got a notification that my saving account at PNC bank has an overdraft. I then logged on my online banking and found out {$36.00} Returned Item Fee was charged due to an autopay of {$0.00} to my XXXX credit card on XX/XX/XXXX. I immediately contacted PNC and raised this issue. They refused to refund the fee. There is no notification of the {$0.00} overdraft until the {$36.00} Returned Item Fee was charged. It is very unfair to a client like me. Other banks I have accounts with, like XXXX bank, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the transaction if my account has insufficient fund. It is a rip-off of charging {$36.00} fees for an overdraft of {$0.00}. Please help me get the refund for the {$36.00} Returned Item Fee. Thanks in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has added time and Almost 20k to my Mortgage. When I asked about these issues, I was told they didnt know and they had limited information. They sent me two loan mods that were done but it showed 3 years added, though they added 6. They can not tell me why my loan amount origination was modified to XXXX from XXXX. Please review the 3 pages uploaded and see the reversal of payments, and non-cash Principal adjustments. It added over 17k to my loan and Wells Fargo can not tell me why?!?!

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraud alert removal

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 2019-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
This debt is just a screen shot. Please send me signed documentation, otherwise I will sue. And file law suit.

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 2019-05-21 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
I received the attached debt collection notice from this company and I do not feel they possess any of the proper documentation to prove that I owe this debt. I have also sent to them the attached letter and I am requesting full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC
State: TX

Complaint narrative:
My tax refund of {$1500.00} was garnished this year by Alltran Education , Inc. and the U.S. Department of Education. I have been evicted in XX/XX/XXXX of this year, and officially deemed " homeless '' in XXXX County as of XX/XX/XXXX. All calls to Alltran Education , Inc. and the U.S. Department of Education have been ignored. Specific individuals I have dealt with are XXXX XXXX at the U.S. Department of Education and " XXXX XXXX '' and " XXXX '' of Alltran. None of these employees disclosed their employee ID numbers to me. 

My tax refund was also garnished last year ( XX/XX/XXXX) of over {$2000.00}. 

I now am officially homeless, living on the streets because Altran and the U.S. Department of Education have ignored my complaints time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number ****XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a promotional offer in the mail in XXXX from American Express and was given a credit card with a {$14000.00} spending limit. I had the credit card for 1 year and AMEX abruptly without notice reduced mt credit limit to {$7000.00} in XX/XX/XXXX. I was harassed and told to pay {$3500.00} or to submit supporting documents reflecting additional income. I was never allowed to submit these supporting documents and their credit line department closed my appeal case and denied restoring my credit increase. 
I have called AMEX over 40 times and every time I need to explain the situation and am being told that my appeal is already closed and they can not do anything. One associate told me just simply to apply for a credit increase in which I  did and was denied and given multiple reasons as to why i was denied ( the letter was generic and DID NOT specify reasons for my specific denial decision. I requested a Manuel Review and that too was denied because they were looking at information from XXXX! I have been told multiple times by AMEX employees in other countries i.e. XXXX, XXXX, that the underwriting team in the United Stated made that decisions and that that department does not nor will not speak to a consumer. 
Please help me! 
I need to restore credit limit. This has affected my life significantly. My credit score dropped nearly 100 points because of their unethical actions. By increasing my credit limit, this would allow for my credit score to go back up and allow me to buy a home for my XXXX small children and myself. AMEX has ruined my life! I was NEVER allowed to submit supporting documents. I feel bullied and emotionally have been thrown around by this credit card company and their lies of manipulation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX  - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: PA

Complaint narrative:
Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX (XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.

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 2019-05-21 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: PA

Complaint narrative:
Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX ( XX/XX/XXXX ) -XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.

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 2019-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost XXXX points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The fees that are being charged as late fees are over 200 percent of my  interest payments with Wells Fargo Auto Finance. There is no limit to the fees and no real relief for a longstanding 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 2019-05-21 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: CA

Complaint narrative:
Disputed a collection account twice with Equifax and XXXX XXXX XXXX to remove an inaccurate account. Equifax responded back to both disputes stating the account is " accurate '' as is and it will be staying on my credit file. XXXX XXXX XXXX is a collection company, this collection company and all monies owed to them for original creditors was covered in my Chapter XXXX Bankruptcy. XXXX XXXX XXXX recently sold " debt '' to another company called XXXX, XXXX who is now listed on my Equifax credit file. I sent the appropriate paperwork to Equifax substantiating my claim and they still claimed the account is accurate as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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