vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
Identity theft

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
DBA Paragon Revenue Group has reported medical bills on all three of my credit reports in XX/XX/2018 in the amount of {$1100.00}. 

I have sent a letter to all three credit bureaus and it has remained on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made 6 transfers this month and last month and after depositing money into my account suddenly I received an email saying I made 7 transfers when there was no money in either of my accounts. I made a withdrawal and they tried to count the transaction itself as a transfer. They did this to steal XXXX and the. Made up a false 7the transaction for last month and I was never noticed which means is is fraudulent activity from inside the bank.they keep trying to collect miscellaneous fees and steal from my account. My bank is the Bank of America on XXXX and XXXX in XXXX XXXX FL XXXX. They keep trying to take advantage of my account because I receive VA payments.

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 2019-05-29 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:
ftc violation sent inaccurate accounts to the creditors XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA 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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC.
State: GA

Complaint narrative:
Early in XXXX, I was getting physical therapy. XXXX XXXX was my insurance company. At the end of my visits, my employer changed our health insurance and that physical therapist just worked for XXXX. They said we owed for the time I wasn't carried by XXXX and our new insurance wouldn't pay their final bill. My wife called the therapist to work out a deal. The person in billing said she would call her back but never did. We then received a notice from XXXX XXXX in XX/XX/XXXX. A collection agency for therapists. My wife contacted them and paid {$650.00} by credit card to get rid of the debt that should have been less. But we wanted it gone. We went online to verify the amount was paid and our account showed XXXX on XXXX 's website.We never got a letter or any other correspondence. Now, in XXXX of XXXX, I get a phone call from XXXX XXXX XXXX stating I still owe and now the amount is up to {$250.00} because of interest. The person stated that it seems it was taken off the books and then put back on. I stated we had not received any notice since XX/XX/XXXX and XXXX XXXX said that the account was paid. The woman on the phone then proceeded to give us a website to look at the new invoice. We would have to create a login to go on. I will not give these people our email address to view a document. Seriously? We paid up a year ago and should even had to pay what we did. XXXX XXXX never sent us anything until this moment and now we owe interest? On what? They can't ever tell us that directly. 

Now, after we file our first complain with the Consumer Financial Protection Bureau, we find out that the debt was just now sold to another debt collector who just sent us a letter of collection. It's from Bureau of Account Management. Here we go again. 

Please help us erase this amount. We paid it with XXXX XXXX and now here 's a new company asking for money. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts are Unauthorized and unverified accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
These accounts are Unauthorized and unverified accounts on my credit 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 explanation
Consumer complaint received 2019-05-29 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: GA

Complaint narrative:
I checked my credit report last year around XX/XX/2018 and I discovered that there were fraudulent accounts listed within my credit report that I'm not responsible. Ive disputed student loans with ( US DEPARTMENT OF EDUCATION ), fraudulent credit cards, medical bills, and apartments. All of the student loans from XXXX and XXXX XXXX have been removed. Somehow out of 10 fraudulent student loans 3 of the student loans continue to be verified. Ive filed a complaint with the FTC and nothing has changed. Ive Never in my life attended anyone college to take out a student loan. My other issue is that once I dispute the other fraudulent accounts they come back in about 2 months. MY LIFE HAS BEEN COMPLETELY DESTROYED BY SOME CRIMINAL. Ive even went as far as getting a POLICE REPORT and that haven't helped any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX XXXX, I hired XXXX XXXX XXXX XXXX XXXX to help modify my mortgage loan with Wells Fargo. XXXX XXXX Offices took over my loan modifcation with Wells Fargo. Wells Fargo refused to modify my loan. I was requesting a lower interest rate of 3 % which is what they were advertising on the radio. My interest is 6.5. In the middle of negotiations in court, Wells Fargo transferred the mortgage service to XXXX XXXX. XXXX XXXX refused to reduce my interest rate. They only offered me foreclosure or reinstatement. I chose reinstatement. My attorney 's office was emailing me to communicate with me. At some point, the attorney and I suspect that on XX/XX/XXXX, the emails were hacked and the location for the wired loan reinstatement fee was changed to XXXX XXXX  at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX, routing # XXXX, account number XXXX. On XX/XX/XXXX my credit union made the wire transfer of {$18000.00} to the Federal Reserve Bank. The Federal Reserve transfered the money into that account. Then the money dissappeared. No one is taking responsibility for my missing money. I need my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC Systems recently reported a {$270.00} collection account on my credit report. Prior to reporting this debt, I did not receive a notice of my right to dispute ; which is a violation of federal collection law.

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 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello again, in this complaint I will include proofs of transactions that go beyond the incomplete records of Chase in particular that they were some how able to destroy my accounts, make look a fraud and cause me an incredible debt that just is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Check Resolution Inc.
State: TN

Complaint narrative:
XXXX from National Check Resolution Inc. ( XXXX XXXX XXXX XXXX Georgia XXXX Phone : XXXX Fax : XXXX www.nationalcheckre.com ) left a voicemail on a third party ( a relative 's ) phone saying I have an unpaid balance with XXXX and stating that if I did not call them within 48 hours, that they will start a liability investigation on me and my company, leaving the case number and phone number. 

This is the SAME DAY as when they had contacted me via email with the boilerplate notification of said debt with the 30 day notice to dispute said debt. 

These practices of communicating private information run afoul of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My friend from out of USA contacted me to collect some amount from His client in USA, who gave him a Job via internet but can not transfer money to him ( it was an advance payment ). 
The client offered him the payment via check and my friend asked me to collect the same. 
I got the check and i gave that to the bank and waited for 4 days and bank confirmed that some amount will be available in the first day itself. 
Meanwhile the Client asked me to transfer {$2700.00} to another consultant here since it is not meant for my friend. I dont wanted to do this and do not wanted his money also, then he asked me to transfer it back through XXXX money transfer so i transferred it to him via XXXX through my bank. I did it for {$1500.00} and then realized that the check was not valid and I lost the money I transferred. 

The person contacted me via XXXX ( XXXX ) XXXX ( XXXX ) and also he has name as XXXX XXXX and the XXXX id/phone number he gave me is XXXX the bank code was XXXX The fraud check has the bank name - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX please let me know if you need more information 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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/2019 I received a court summons for suit. In the suit it out lines third party debt collector submitted a claim with the XXXX County Civil Courts on or about XX/XX/2019. On the XXXX of XXXX was the first contact and knowledge of any debt Portfolio Recovery was trying to collect. I answered the summons with a request for discovery on XX/XX/2019. The next response I received from this company was XX/XX/2019 two months later. I entered into no legally binding contract with this company and the documents yhey finally sent me are unauthenticated documents that look as if the are doctored and forged. I never enteted into a contract with this company nor have they followed the laws outlined in the Fair Debt Collections Practice Act. I feel as if this company is trying to harass, bully, and  extort money from me for a non binding debt that Portfolio Recovery never notified me about in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase I'm filing a complaint After disputing with all three reporting company 12 times and they are not fixing my problem so I have started lawsuits on all three so now I'm disputing direct with you I found a lot of FCRA violation on account XXXX first violation is fcra 623 & 806 B you are not entering the consumer dispute marks on none of the reports after you have verified this account The law states that a creditor must Must enter this information because it CAN NOT REPORT ON THE CONSUMER REPORT. this is a violation of the FCRA you could be sued {$1000.00} per bureau. violation number two you stated that this account has been closed but you are still reporting a monthly payment this is also a violation of the FCRA another {$1000.00} per bureau. so please delete this account asap due to the violation of the fcra The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. chase DO NOT TAKE THIS AS A THREAT BUT I'm sick of dealing with the credit reporting company I'm taking action one down and two more court dates coming up here very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.
State: MN

Complaint narrative:
I have been denied employment by a very credible trucking co. Because of an adverse report by HireRight . I am at retirement age,, this is destroying my life. I am communicating with HireRight,, And reached out to XXXX. 'XXXX  XXXX XXXX XXXX ',  XXXX XXXX XXXX , Utah . But XXXX XXXX is now XXXX. I have explained to HireRight ' that their report is incorrect. All of which can be proven by XXXX XXXX XXXX. Where I was instructed to break Federal rules and Laws. All of this was deleted in XX/XX/ when I worked for XXXX XXXX for 5mo. Whereby I resigned. But is now reposted by HireRight and my personal information for sale. I am in contact with my State Representative XXXX XXXX, XXXX. MN. I also contacted MN. Labor Dept. All of this has led to nothing being done. My entire life is being destroyed by a simple totally false accusation and report by HireRight.. Thank You for your time and attention to this,, Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I opened my account with Moneylion to set up direct deposit and take advantage of their pave the wage promotion. It required direct deposit within the month of XXXX which was made by my employer. Moneylion 's system does not differentiate between an ACH credit/transfer and a payroll deposit which caused their system not to recognize my direct deposits for 3 months now. They also offer a service called instacash where with payroll deposit you can get a payday advance of {$250.00} as long as your payroll deposits are {$250.00} or more. I have not been able to take advantage of this feature due to this issue and this is unfair as other customers have. Because of all the issues they are having they have removed this feature within the last 30 days to correct and relaunch. I have chatted when that was an available option, emailed and spoken to their agents over the phone for over 2 weeks with no resolution. I am also unable to contact my financial institution immediately in the event of fraud or lost/stolen cards. I submitted that as a problem as well two weeks ago with zero resolution. I spoke with XXXX in the complaints department ticket XXXX and sent screenshots showing I had no option to report my card lost/stolen immediately. On XX/XX/15 there was an issue with debit cards and they do not have an instant transfer option so I was unable to withdraw funds or transfer them to my XXXX account in order to avoid overdraft charges and Moneylion is unwilling to refund those fees they caused. The only option was ACH transfer which they claim is 1-2 business days. With any issue on my account I have to submit a help ticket and wait 48 hours for a response only to have to set up a callback for the next day. They have escalated my issue multiple times with zero resolution. I transferred funds again on Friday and they were not placed in my account until today. I am very displeased with the lack of service provided by this financial institution. I also am unable to see my statements online due to an error in the app and there is no running balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
I received a ticket by XXXX XXXX XXXX XXXX for stopping in the incorrect spot for an obstructed stop sign. On the ticket, it said in the fine print that it was not a legal law enforcement agency and that I was not obligated to pay. Then, they sent it to the debt collector. When I called the debt collector - RSI Enterprises , Inc - to inquire about next steps and whether I was obligated to pay, they hung up on me twice in a row without answering my question. I am concerned about whether this is legal/real, and I couldn't get an answer, because the woman got mad when I asked and hung up the phone twice in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
XX/XX/2019 I bought a car from Honda Dealership # XXXX American Honda Finance. XXXX XXXX XXXX, XXXX California XXXX phone XXXX. Contract numbers XXXX VIN # XXXX the finance company did Unfair practice for approving my car loan, because the finance company did not used the ( Income to Debt Ratio ) Formula before they approved to finance the car loan. {$41000.00} Including my down payment of {$6500.00} = XXXX. Total Payments will be {>= $1,000,000}. Amount finance {$22000.00}. Total finance including 16.64 % interest is {$13000.00}. 
The car that I wanted to HondaXXXX XXXX  XX/XX/XXXX. But they sold me the car without showing me or telling me the price of the car. And importantly they did not sold me car that I wanted XXXX XX/XX/XXXX .Instead dealer sold me the XXXX XXXX dealer did not even show me the car that I was buying and did not allowed me to test drive the car if I like It. If They did allowed me to test drive the car definitely I would not bought it. The reason Unfair Practice was used to me because my income is base on My social security XXXX {$940.00} monthly. And my car payment {$490.00}. the finance company did unfair practice knowing that I will go to default. I severely suffer that I was in the verge of mental breakdown of how could I live? how will I Make car payments? with the amount I am getting from XXXX.`

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: FL

Complaint narrative:
My husband and I have applied for PSLF/TEPSLF and throughout the entire process we have been misled, not given complete information, told to lie or withhold information and fear that the TEPSLF will be no longer because of the loan services not doing its part. We second guess everything we do despite it coming from their call center. We have done ABSOLUTELY everything we have been told to do and still 6 months later we have no resolution. We at one point had our case closed because we didnt complete what was asked in the 21 day window when in fact I uploaded 703 pages of documentation 10 after it was requested. No one dropped it in the file. We would not have known that had we not called 8 weeks later after receiving nothing. Now we are 8 weeks from that inquiry and have made multiple inquiries since and still NOTHING. We have been told to submit unemployment deferment application even though you wont qualify so you can buy 60 days with no payments. That is fraud! We are tired and frustrated and just want FEDLoan Servicing to do the right thing. We have also contacted the ombudsman and been assigned a case manager he has become increasingly unavailable as of late. Additionally we have filed complaints with the AG of the state Florida, Senator, Congressman and US Dept. of Education.

Company response to consumer: Closed with explanation