vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: GA

Complaint narrative:
I have contacted ( and made disputes ) with Experian several times about an Fraudulent account appearing on my credit report. Every time I do an dispute with Experian the come back stating that the account has been " verified '' and the debt is mine. Which is completley false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX Account 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 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please help

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 2017-08-18 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: GA

Complaint narrative:
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.

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 2017-08-18 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: GA

Complaint narrative:
I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... ... .. I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.

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 2017-08-18 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: NY

Complaint narrative:
I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

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 2017-08-18 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: PNC Bank N.A.
State: MI

Complaint narrative:
Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to PNC Bank. PNC Bank is still reporting this account that was a result of identity theft to XXXX. In addition, I received a letter from PNC Bank which I forwarded to XXXX which indicates that PNC was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: NY

Complaint narrative:
I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: MI

Complaint narrative:
Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.

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 2017-08-18 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: TX

Complaint narrative:
My Experian credit report indicates the balance for my XXXX XXXX XXXX credit card as being {$2200.00} when it is actually {$590.00}. It has been over 45 days since my balance was updated and it has taken up to 60-70 days for it to be updated in the past. If the correct balance was on my Experian report it could mean an upward jump of 45 points on my credit report ( my XXXX and XXXX numbers are 45 points higher on correct data ). I have disputed this in the past with Experian and it has not been resolved. So, I attempt to dispute it again and they tell me pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act that they will not process my dispute. Their online dispute process indicates that if I upload additional information that is relevant, they will give it another look. However, their online program will not allow me to upload a single scanned page .pdf file ( file size too big ) for them to consider. As such I have attempted their online dispute with no luck and sent a letter and additional information in the mail with no luck. Considering my actual credit usage is heavily weighted in my credit score, I would like it to be accurate and updated in a timely manner.

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 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
i requested for my full payment history for the past 2 months I did not get it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have  received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX ( now owned by Keybank ) allowed a payment to go throught that I did not make to a payday loan. When they investigated it they wanted me to speak with company and give my personal info out. I refused and XXXX XXXX sided with fraudlent company. I continued to fight them even filed complaint with CFPB when it happened. I was going through a bankruptcy and included this in it and was discharged in XX/XX/XXXX. While going to op ; en a new checking account it was found they have me listed fir XXXX owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My home mortgage which was sold to PNC. I understand that legally they must notify me 15 days before they start to assume payments for my mortgage. My current mortgage company informed me of the sale and tried to give me the account number for my new company, but that part of the form letter was left blank. I have waited to receive information from PNC on their acquiring my loan and information on how to submit payments. I have received no notice from them and have not received any information on how to submit my next payment. Considering the fact that PNC requires that you either set-up EFT autodrafts, mail in a check, or charge you {$7.00} for each payment made online from a non-PNC account, I need the time to make sure my payment arrives on time and am not overcharged interest or an arbitrary fee for just making a regular payment. I think it should also be illegal for them to charge you a fee for simply making an on-line payment from a non-PNC account, but let 's start with them at least adhering to the laws that already exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This debt is n't mines, I do n't have anything with 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 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I transferred ( by way of XXXX XXXX, through Capital One 360 ) {$1100.00} to a XXXX  XXXX XXXX account. Within minutes, I received an email notification stating that the funds were sent and that the said funds would be available immediately by the receiver. They were never received. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX and advised of the problem, she advised it would be " researched ''. I received no response back from XXXX. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX, XXXX, and XXXX, in which they all insisted that the money was transferred and that they could do nothing, but that it was " being researched '' and to contact XXXX XXXX XXXX to have the funds released. By XX/XX/XXXX, the recipient still did not have the {$1100.00} in their account, had confirmed that their email address and cell phone # with XXXX XXXX XXXX ( how funds are transferred with the XXXX XXXX  XXXX  ) was correct, and that no funds had been received from Capital One 360 and no funds were on hold. I ( again ) called Capital One 360 ( XXXX ) and spoke with XXXX, whom again, could do nothing for me and advised that this was ( again ) " being researched ''. On XX/XX/XXXX, I received an email from an XXXX stating that " we are researching '' and yet still NO RESOLVE. By XX/XX/XXXX, I still had not received the funds back to my account and the recipient had not received the funds, so I called Capital One 360 ( XXXX ) and spoke with XXXX out of Delaware ( ID # XXXX ), who stated was " part of the management team ''. He was arrogant, dismissive, and provided zero assistance. He also stated that there was " NO CASE # assigned to my issue ''. I tried to file a " claim '' on my money, in which i was advised would take " more research ''. On XX/XX/XXXX, I called Capital One 360 ( XXXX ) and spoke with XXXX. Still NO RESOLVE AND NO MONEY BACK INTO MY ACCOUNT. It is now XX/XX/XXXX, and I have yet to hear back from the " management team '', have not received any additional emails of resolve and still do not have the funds back in my account. Please be advised that this is MY CHECKING ACCOUNT, not borrowed money, not a loan, but MY MONEY. CEO, XXXX XXXX needs to be THE person to contact me, advising me that the money WILL BE in my account today!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation