vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was looking online to purchase tickets for last minute flights today XX/XX/XXXX around XXXX XXXX PDT. I found someone on XXXX who had a XXXX buddy pass for {$150.00} and called him at XXXX at XXXX. He went over the flights times with me he told me I would have to pay taxes and fees on top of the {$150.00} for a total of {$210.00}. He claimed he was going to give me his XXXX login & XXXX number to complete the purchase, but he needed to charge his phone and call me back. He called me back at XXXX and asked for my email to send the itinerary and gave me his email to send my payment through XXXX ( XXXX ). His email XXXX. We sat on the phone as I processed my payment and he confirmed receiving my payment ( conf XXXX ). He asked me to stay on hold while he emailed me his login info to complete. I sat on hold for 15 mins before I hung up and tried calling back. He never answered. 

I immediately called Wells Fargo ( XXXX ) and they informed me that because I initiated the transaction they could not help me. I proceeded to tell them that if I made a purchase with my debit card that they would protect my purchase. Now because I transferred money they should still be able to protect my purchase. He apologized and suggested that I call XXXX XXXX XXXX because the email address is associated with their bank and they would be the ones to look it up. He gave me the transaction information to confirm and I thanked him and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that was not right, and my bank should be able to contact them through their merchant bank and let them know the transaction details to contact the person associated with their bank with there account information. She advised me to call Wells Fargo back so they can file a claim. 

XXXX I called Wells Fargo back and this time I was informed by XXXX that they can file a claim, but since the charge is pending I may have to wait and call back tomorrow. She placed me on hold for 15 mins to try to figure out what other options they may have. She informed me that the only thing I can do is to file a police report because the transaction is complete. Another 15 minutes go by. She tried to submit a claim and her floor leaders told her the " correct information '', which was to file a police report. I let her know that XXXX XXXX XXXX TOLD me that Wells Fargo could contact their merchant bank to file a claim. She placed me back on hold to ask her floor leaders. 2 more minutes go by and she comes back and says they are creating a case for XXXX XXXX XXXX and confirmed my contact info. I was told they were making a claim investigation would and it could take 10 business days. I would get a provisional credit and they would contact me to let me know either way what the results are. 
My Case ID 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 2018-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late? 

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.

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 2018-05-24 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: AL

Complaint narrative:
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: AL

Complaint narrative:
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.

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 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
THEY ARE REPORTING 90 DAY TO 120 DAYS LATE 3 TIMES I TRY REACH OUT TO CORRECT THE PROBLEM WITH NO RESULT THEY GOING FROM PAYING ON TIME TO 90 DAYS LATE AND IS EFECTING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a phone call about a week ago and regards to a medical collection from choice recovery and I asked them to send me documentation so that I may dispute. I received a documentation today but on the outside of the envelope it says choice recovery which obviously makes it sound like it is from a collection agency. This has been sitting in my mailbox for a day or two and my neighbor happen to see it and questioned if I was getting a collection notice since it said choice recovery. I was humiliated and I was embarrassed And Im wondering how many other people actually saw that I was getting a collection notice. I want to choice recovery to know that I will be contacting a lawyer if I do not hear back from them within 60 days. I feel this is a violation of the FDCPA and should be awarded {$5000.00} in damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peoples Home Equity, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has been advertising to come and see her at her office to get prequalified this was in XX/XX/XXXX when i asked her if she was a licensed Loan Officer she said no and that a license was not needed to go over rates and payments and to see if i was able to get qualified for a fha loan. Since XX/XX/XXXX her company has changed to a couple of different names. When i asked her if i was qualified all she told me is that she would get back to me and i still have not received a decision back from her. She told me that because I'm self employed she was going to have to prepare my XX/XX/XXXX taxes for me so that i could qualify when i have asked if she was a CPA she said no but she has prepared a lot of buyers taxes so they could qualify for a home loan. This has me very concerned that a person who is not a licensed Loan Officer or CPA is preparing taxes for people so they can " qualify '' for a mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is notify CFPB of EXPERIAN 'S violation of FCRA. Last XX/XX/2018, I sent a letter to this company to dispute accounts from XXXX and XXXX XXXX. I disputed account XXXX with this company and I even requested a debt validation from XXXX which have not sent me proper debt validation documents. XXXX even reported to the bureaus that they are reporting correct and accurate information even though they did not provide me what I am entitled to receive. 
Also included on my account are accounts from XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.

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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I OPENED A XXXX  ACCOUNT WITH CHASE AND RECEIVED THE CARD. I MADE THE PURCHASES ON IT TO GET THE MILES. I HAD XXXX MILES IN MY XXXX  ACCOUNT AND CHASE NEVER TRANSFERRED THE MILES INTO MY ACCOUNT THIS WAS WOULD HAVE ALSO EXTENDED THE EXPIRATION DATE. 

I ALSO CALLED IN TO XXXX TO DONATE THE MILES IN ORDER TO EXTEND THE EXPIRATION DATE. 

I CALLED CHASE THEY SAID THEY DO NOT EVEN HAVE THE CREDIT CARD ON FILE OR REPORTED TO THE CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I attempted to send {$300.00} to my son via XXXX on XX/XX/XXXX. I used my smart phone and sent the funds to his cell via text. My son only has one number listed in my smartphone phonebook. The transaction went through and the funds were immediately withdrawn from my account. On XX/XX/XXXX I discovered that my son never received the money. I filed a complaint with my bank. A claim was investigated and I was informed today that my request for reimbursement was being denied. The recipients financial institution will not return the funds and neither will my bank.

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 2018-05-24 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:
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

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 2018-05-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had roughly 35 fraudulent transactions on my debit card in a very short amount of time. These transactions happened on XX/XX/18. I called the same day as these transactions occurred to report them as fraudulent. Chase bank said they performed a thorough review of my account and denied the claim because the person who stole the card had my pin number. I also had my phone stolen the same day. Chase bank somehow let the thief log into my account and change the maximum amount allowed per day from {$500.00}. 
The amount of the transactions totaled roughly {$11000.00} almost all of it in cash. I have been a Chase customer for 20+ years and never once asked for a raise in my cash per limit. My Chase account has a different password than my pin number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is showing duplicate and is stuck in a passed due balance. Two days ago I applied and paid for an official transcripts to be sent to my new employer. However, they canceled my order due to a financial hold on my student account. I asked them what was the hold. They told me I owe {$18.00} for a book that I returned late or something, which is ridiculous because it was a bit over 8 years and I never got a notification of that. I actually requested transcripts to be sent to jobs in the past and that has never been an issue. and now that I look at my Credit report the way its reporting is incorrect. I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Credit Karma, LLC
State: MI

Complaint narrative:
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For over six months now and after multiple disputes with XXXX XXXX XXXX XXXX, they have failed to thoroughly investigate an error in my credit file. They have failed to comply with the fair credit act by investigating an error in a timely manner. I have requested for them to submit to me their method of verification for a debt by the following company XXXX   XXXX Account number XXXX amount {$11000.00} This has been an ongoing unresolved issue. Experian has failed to comply with the FCA with verifying the accuracy of negative information placed into my credit file. I have not received any documents from the Creditor or Experian in reference to validation of alleged debt, This has caused a great negative impact into my credit file.however, without documents as requested, Experian continues to report this derogatory debt. All that I ask is that this matter be more thoroughly investigated and supply me with copies of valid documents that bind me as a consumer to this debt by CONTRACT.. My request is for this to be completed within the time table allowed and governed by the FCRA. I would like all documents provided to me via mail.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.

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 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
XXXX XXXX located in XXXX, NY billed for an ambulance charge. Submitted my insurance information several times and they refused to bill insurance. The put me in collections with Wakefield and Associates. I put in a complaint with XXXX XXXX and they finally submitted it to my insurance and the bill was paid in full but my credit report still reflects my account in collections and unpaid. I tried communicating with both companies and they blame each other. Tried to dispute it with the credit bureau and they refuse to remove it even when I show proof that the claim was paid.

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 2018-05-24 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: AL

Complaint narrative:
I have sent several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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:
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

Company response to consumer: Closed with explanation