vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have bee writing the consumer complaint department about a bank issue with XXXX XXXX XXXX and Wells Fargo { Wachovia }. when i got my XXXX settlement in XX/XX/2011 I put XXXX and XXXX at XXXX XXXX XXXX and XXXX at Wells Fargo. there was XXXX dollars stolen from XXXX XXXX XXXX and XXXX stolen from Wells Fargo. 
I tried to take Wells Fargo to magistrate court in XXXX, SC and XXXX XXXX XXXX I filled out complaints at BBB, Consumer Affairs, FTC and CFPB. In light of what has happen in the past months or so there has been a CLASS Action law suit filed on both banks both for consumer FRAUD, XXXX XXXX XXXX was for mortgage Fraud and Wells Fargo FRAUD was about consumer false accounts and credit card issue, both is what has happen to me but still yet no one is willing to help me get my money back. i have been very sick with XXXX. I was planning on trying to get a house with that money. My situation involves someone trying to get mortgage loan and credit cards which also shows up on my credit report, i have had a number of fraudulent accounts to show up on my credit reports all of which i have to seen along with this complaint. If someone could just take a look at my paper work you can see how they access my account and took my money. i have filled out affidavit and numerous complaints. I am hopeful to think that since what has happen with other court actions that there may be a chance for me to try again to get my money back.You can see from paper work that someone maybe a person whom work at the bank access my account by using the people whom were drafting from my account for my monthly car insurance draft and my monthly renters insurance fee, they went in took the money from there and left XXXX amount .if someone could take interest in letting me know how i could have got in on the class action law suit or if someone at the CFPB could become interested enough to point me in the right direction or if its just a loss cause at this point. I have been complaining about since it happen and i also notify the Social Security XXXX Office..XXXX XXXX XXXX XXXX XXXX, SC 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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I filed a complaint against southwest credit systems LP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TN

Complaint narrative:
In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : XXXX # XXXX and Fox Collection Center # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
RE : Unreasonable PNC Service fee charges This complaint is the {$2.00} service fee charge for monthly paper statements that PNC charged me even when I specified I wanted only online statements when I opened my account. When I opened a checking account with PNC, I told PNC that I wanted online statements to avoid the {$2.00} service fee. However, two months later, I found that I was charged a {$2.00} service fee for my 'spend ' account and another {$2.00} for my 'reserve ' account. I called up Customer Service and I was told that " that is the way the PNC system is set up : in the first month, the customer will always receive a paper statement and will be charged a {$2.00} service fee on the 'spend ' and 'reserve ' accounts. Why is PNC making me pay for its own inability to fix the system?! I already specified online and they still send a paper statement and then charge me! This is unreasonable and infuriating! And they are making a double killing because a 'spend ' account is tied to a 'reserve ' account and a 'growth ' or savings account. I did not even transfer any money from my 'spend ' account to my 'reserve ' account and I still got charged! 

Please look into this unreasonable and burdensome service charges! This system is so wrong!!!! PNC SHOULD BE FINED AND THE SERVICE CHARGES RETURNED TO CUSTOMERS! WE SHOULD NOT PAY FOR PNC 'S INEFFICIENCY AND INABILITY TO FIX ITS SYSTEM! 

Thank you, XXXX XXXX XXXX PNC client ( XXXX, VA )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was encouraged to utilize forbearance and not told about income based payments in 2008. 2 years of my previous payments ( paid out from XX/XX/XXXX-XX/XX/XXXX ) were " eaten up '' after this choice for interest that I was not told would be accruing. 

Two years ago after my payments reached over {$300.00} a month, I inquired about reducing my monthly payments. XXXX gave me a reduction by half, however now I am fearful that my interest is building even greater. I was told that this would not occur, that they were reducing my payments as I had a good record of payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have been receiving a bill in the amount f {$60.00} from the XXXX. I have called this office several times to dispute the erroneous bill and was told it was a mistake and I owed nothing. However, it seems the XXXX office submitted the erroneous bill to a collection agency ; Transworld Systems Inc . 
I am receiving letters of collection from this group despite being told I owe nothing and it is a mistake. I am very concerned, frustrated and angry for the time I must now invest to protect my credit rating. Can you please assist with resolution? I have a voice mail transcription from XXXX supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to Equifax via phone about excessive amount of unauthorized/Fraudulent inquiries on my report. Numerous rep refuse to dispute and or remove the inquiries. I 've sent in certified letters disputing the unauthorized inquiries and they refuse to remove them. I finally went online after finally having access to online disputes and I disputed these inquiries and as of yet Equifax is refusing to remove the fraudulent/unauthorized information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed XXXX accounts with Experian and each time I dispute the information they come back stating that it is my account without sending a validation of the debt.

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 2017-04-11 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
The debt collector called a family member a ( Third party individual ) whom was not listed nor had nothing to do with UNITED AUTO CREDIT. They questioned and gave out personal and financial information to a person that was not authorized on this business matter. I feel that this was very unprofessional and cause harm to a potential business matter that I had going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent a XXXX letter to Experian asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion , LLC about removing an inaccurate chapter XXXX bankruptcy being reported on my credit file. I have requested validation of this chapter XXXX bankruptcy by the court and my original signature on this chapter XXXX bankruptcy. Transunion has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Transunion is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.

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 2017-04-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2017 deposit XXXX XXXX debit card checks each ( {$2500.00} ) totaling $ XXXX US bank Atm. Unable to access Acct on XX/XX/XXXX. Called US bank customer service XX/XX/2017 and told my account closed due to fraudulent checks deposit made XX/XX/2017. I Obtained copies of checks in question from US bank and took to XXXX, where checks originated. Informed by XXXX that checks are valid. XXXX contacted by phone, emailed this information to US bank with no call I to resolve this matter. I Called XXXX, mgr at US bank XXXX branch and told he spoke with someone over him. He informed me my accounts to be closed ; a check to be mailed out to me ( minus bank fees ) around XX/XX/2017.

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 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
On  XXXX / XXXX /   2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}.   On  XXXX / XXXX /   2013 so meone sent that money via  XXXX   XXXX  to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised.   For 4 years I have not been able to secure a checking account other than an internet bank.   I have a copy of the check and signature as proof it was not 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 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.

Company response to consumer: Closed with explanation