vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: WV

Complaint narrative:
On Saturday, XX/XX/2019, I was trying to look at a picture of a rental home when I was immediately contacted by some Rent-to-Own company. She eventually said I was going to have to fix my credit and they could help me. I was completely unaware when she suddenly contacted a Credit Repairing company called Lexington Law. She got me hook, line and sinker on board with hiring them to help me fix my-and then also my husband's-credit. We did not expect it to be a scam or anything until I read your info earlier about how to detect the fraudulent ones, but now I'm convinced. First things first before she did anything I was informed I was going to have to pay {$14.00} for each of us on that day, immediately after telling me about the monthly fee we would be charged but " don't worry, you don't have to pay anything today ''. So I paid for mine but then when I realized I would have to do the same for hubby I attempted to stop it. I told her I did not want her running my card again because I didn't have the funds. She proceeded to say " Well I'll just run the card today and if it didn't go through it wouldn't be taken for 11 days. Confused as I was I repeated " Ma'am, I don't want you to run it again right now, can we just hold off and I'll call you later to pay it when I have it? '' She just continued to ignore me and repeated the same thing she said before. Finally, I guess to knock me even lower, she tells me that {$140.00} ( or somewhere around that ) would be debited from my account 5 days later. So tonight, when I read your warnings about being federally prohibited from requesting money right off the bat, I began this complaint. Furthermore, when I tried to set up my account, I was completely dumbfounded to only see my husband 's credit report details. Mine is nowhere to be found, when I paid for mine first, before I even added him to the whole thing. In fact, mine is the only one I paid for because I gave her a different card with no money on it. It makes absolutely no sense, except I fully understand that I got screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
This company contact on several occasions speaking about a debt I owed to a college. I told the supervisor that I never received any letter from the school stating I owe them. I told them that I didnt owe the school and I was disputing it. They sent several letters to my home, calling me asking me how I want to settle the account. I spoke to as supervisor XX/XX/XXXX, told them that I didnt owe this amount and the college stated that they could not speak to me about this account. She told me she couldnt help me with this account other to take payment. I told her to not call me again about this account since no one can explain this debt cause I didnt attend no school Summer 2018. On XX/XX/XXXX, they called me again, left message since I declined the call. On XX/XX/XXXX, they called me multiple times when I answered the phone, it was the same thing, how was I going to settle this account. I told the agent that they wasnt supposed to contact me, she placed me on hold and a supervisor came to the phone. I told the supervisor that I dont owe this money because student loans was paid out for when I was attending. I didnt attending school during that time and there was nothing to talk about. I told her that I had requested they dont contact me the last time they call, she told me they not going away. I told her I would hire a lawyer if this continues. At XXXX XXXX, I received another call after hanging up with the supervisor, asking how I was going to settle this account. They are disrespecting my privacy and request. Since no one has an answer to this debt but assumptions, I still state that I dont owe this amount. They have filed it on my credit repair before they contacted me about this account which is wrong since I never was notified of this debt from Conserve or XXXX University beforehand. They received my information by credit report since this is an unpublished number. Complete Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
On XX/XX/2019 I sent XXXX, Equifax Credit Information Services , Inc. and XXXX certified letters disputing a bankruptcy listed on my credit file. XXXX   has deleted this information off of my personal credit report. Equifax and XXXX has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
Check city took a loan out in XXXX of last year then list my job as a XXXX XXXX started subbing but kept them uniform that I would have to make small payment in XXXX they linger accept small payment sent me to collection and now they are trying to do a judgement loan was XXXX and with payment it XXXX left what can I do I feel if u are trying to pay off they should help u

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority

Complaint narrative:
Hello, I am an american Citizen living and working abroad and am unable to pay my student loans due to XXXX not acepting payments from foreign accounts. I have contacted the company previously regarding repayment options and they have not given me an options, other than mailing a check to which my bank in the XXXX does not allow. It is possible to transfer money from my XXXX account to my american account but that is financially not feasible for me due to transaction fees. This on top of the interest I am paying on my loans is not possible. Companies should be encouraging students to go abroad and not punishing them for doing so. It is discrimination on the basis of finances that should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
On XX/XX/2019 I sent XXXX, XXXX Credit Information Services , Inc. and Experian certified letters disputing a bankruptcy listed on my credit file. XXXX  has deleted this information off of my personal credit report. XXXX   and Experian has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX I used be cell phone to deposit my XXXX XXXX XXXX employee check. Since i recently switch accounts, the XXXX XXXX XXXX issued me a paper check. I put it into my account early. Wells Fargo put an 11 day hold on it without legitimate explaination but there is suspicion activity on my account. They will not release my hold and i have absolutely no money. I get paid twice a month and I'm a single mom of XXXX kids. I can't afford for them to hold my check. They did not warn me that since my account was new, they would hold my check. I need a way to get my funds released immediately.

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have recieved {$270.00} in overdraft fees over {$8.00} purchases made on the XX/XX/XXXX and money was put in and cleared before they added on the fees. I am also opted out of overdraft and these were one time payments. 
I checked my balance before every purchase and its totally wrong what they do. 
They will show something as pending and then the charge disappears for two days and shows back up screwinf uo your balance. They will as the fee even after a withdraw is cleared and your account is positive. They charged me {$270.00} because of {$8.00}. 


Simply looking at my statements you will see that the money going in my account is more than going out and that even though they charged me XXXX my account is only overdrawn XXXX, and i have not added money since a fee was added. 
Clearly that being the case proves i never should have been given a fee since my account would need to have a negative balance greater than the fee since its a fee for covering my purchases. But they didnt cover any funds for me and the only reason im negative is their ridiculous fees. {$270.00} over {$8.00} is unjustifiable.

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 2019-07-16 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: FL

Complaint narrative:
I gave Experian my schedule of creditors per my bankruptcy in XXXX/XXXX 2018 and an entry, XXXX XXXX XXXX, was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, Experian changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to Experian, it would not let me. Please review the attached court documents and the excerpt from my Experian credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/2019 Arvest Bank in XXXX Oklahoma attached a bad Check to my checking account and withdrew XXXX from my account. It was a human error that they didnt catch I did on XX/XX/XXXX when I went to withdraw from my account and saw I only had XXXX in my checking account. It took hours of face to face with the XXXX Oklahoma branch to find out what had happened and I was assured that my hard earned money would be put back into my account and someone would be calling or emailing ASAP. I asked for a time line when this would be done and was told that it was not her department and couldnt tell me how long it would take and informed me just dont use this account until it is resolved. I asked her how I could live without my money and the branch manager advice was to just keep checking on the account to see when the money would be put back into my account. As an Oklahoma XXXX  I live from paycheck to paycheck and it was unacceptable that they knew what had happened but didnt put my money back into my account. On XXXX  I called the XXXX  Number to Arvest Bank and after over a hour on the phone again I was told the money would be back into my account by XXXX  XX/XX/2019. I told them it was unacceptable to keep my money almost an entire week due to their error and I wanted my money put back into my account. They bounced the situation back to XXXX branch manager to deal who called my husband and informed us that it would be taken care no later than the close of their work day XX/XX/2019 As of this morning I still have XXXX in my account. 
My complaint is when Arvest Bank can clearly see what the problem is, it should not take a week to return money to my account. That is basically stealing so they can balance their accounts. This situation has caused an extreme stressful situation that is completely not professional. I want their policy of taking this long to solve this situation changed to a 24 hour turnaround. I want them to follow through with personal calls and or email customers when they state they will. No one found this error, I did, and was told I would be contacted. No one contacted me. I have a right to be contacted and treated with better communication than this business has in their policy They took my money by human error but they kept it by a system that is not acceptable.

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 2019-07-16 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: Lending Club Corp
State: FL

Complaint narrative:
I gave XXXX my schedule of creditors per my bankruptcy in XXXX/XXXX  2018 and an entry, Lending Club Corp., was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, XXXX changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to XXXX, it would not let me. Please review the attached court documents and the excerpt from my XXXX credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: OH

Complaint narrative:
On XX/XX/2019 I sent a letter to Transunion ( see attached letter to Transunion ) regarding a listing on my credit report for XXXX XXXX XXXX with a balance due of {$710.00}. I had made several attempts to contact XXXX XXXX XXXX, however the phone number listed for them on my credit report is no longer in service, as well as a phone number I found for them online. I then tried their website, however the website is no longer active. I have no way of contacting them to resolve this issue, yet they continue to report this account which is negatively affecting my credit ( see attached screen shot from XXXX  credit report ). 

Yesterday ( XX/XX/XXXX ), I received a letter from Transunion stating they contacted XXXX XXXX XXXX  who verified the information on my credit report was accurate.If I can't find contact information for XXXX XXXX XXXX, how was Transunion able to contact them and verify the information on my report? 

I phoned Transunion yesterday after receiving their letter to inquire how this account was verified since they have no active contact information. I requested Transunion remove the account since I have no way of contacting XXXX XXXX XXXX, and have no way of resolving this account. The only solution I was given by the Transunion agent was to submit another dispute. 

Since the number listed on my credit report for XXXX XXXX XXXX is disconnected, and I notified each of the three agents I spoke with about this incorrect error, Transunion is willfully reporting inaccurate information on my credit report in violation of the FCRA.

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a collection letter from Portofolio Recovery Associates, LLC stating that owe XXXX XXXX XXXX   {$1000.00}. This account was closed and paid full. I recommend that you STOP all the attempts to collect that debt. I dont have any business or contract with Portofolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
On or about XX/XX/2019 I received a dunning letter from GC Services Limited Partnership whose address is XXXX XXXX XXXX, XXXX, TX XXXX. In response to GC Services LP letter, on XX/XX/2019 I mailed them a cease communication letter pursuant to 15 USC 1692c ( c ) by USPS Certified Mail RRR. GC Services LP was obligated by law to respond to my cease communication letter pursuant to 15 USC 1692c ( c ). GC Services LP failed to respond to my cease communication letter and has invoked 15 USC 1692c ( c ) 1 by default. However, GC Services LP is still trying to collect on this debt and has furnshed this account to XXXX Information Solutions. Attached are my documents regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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:
The following accounts were disputed but transunion never updated theses accounts as being disputed. 

US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 DEPT OF ED/XXXX   Closed Closed on XX/XX/2017 DEPT OF ED/XXXX Closed Closed on XX/XX/2017 DEPT OF ED/XXXX  Closed Closed on XX/XX/2017 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 explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
I applied online for a XXXX XXXX Mastercard by First Bankcard on XX/XX/XXXX. I received notice of a decline promptly on line. Thinking there was some sort of error I called XXXX on XX/XX/XXXX which was a phone number they provided for such a situation. I was informed by XXXX I would receive a letter in 7-10 business days detailing why and that I was turned down due to a prior bankruptcy and too many credit inquiries. I did finally receive a letter dated XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. It did not site a prior bankruptcy. I did have a personal bankruptcy but it was discharged in XXXX and should not be part of any current credit decision.

Company response to consumer: Closed with explanation