vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing this complaint to ask for help one last time. I have been in a continuum of crime, which includes the fraud that I reported to Wells Fargo months ago. I don't blame Wells Fargo for my victimization ; on the contrary, I had hoped they would help take the offerings I provided, and use what resources they might have to get actual professional validation of my claim, which would then bring justice. I have all but given up hope now that I am going to be afforded my consumer rights and be given my stolen money back, but I am asking once more for my money to be returned to me by Wells Fargo. I don't know what else I could have done to assist WF regarding this matter, but I did everything I could think of. I still need help, but nobody seems willing to stand up for me. Despite the overwhelming evidence I have of the unbelievable victimization I have endured, I am no closer to being validated in the administration of justice, then I was when it first began. The people who have done this have destroyed my life, and their method of victimizing me is truly brilliant, because they have gotten away with a horrific criminal spree ; and thanks to the lack of investigating by law enforcement, and now my bank, they have also been paid handsomely with my own money to do so. It is unspeakably frustrating to know that I have offered up the proof of the fraud, and of my victimization in general, yet nothing seems to help me at all. Unless Wells Fargo affords me my rights as a consumer, I will have no other option at this point but to seek legal representation to assist me. I know once that happens the CFBP can no longer assist, alas, the CFPB hasn't changed much about the outcome of this situation. I am grateful for the help both the CFPB and OCC has  offered to date. I am providing further substantiation with this complaint that I tried to enhance for better sound quality. It is more evidence of the fraud for Wells Fargo 's meticulous review. I certainly hope it helps, however there is three open complaints already ; two of which WF hasn't even responded to at all. I have tried to upload several other audio and video files here but they exceed the amount allowed. What more can I do?

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 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit keeps calling and harassing me for a bill of {$970.00} that I know nothing about

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 2020-01-15 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: GA

Complaint narrative:
I received the 'Hazard Reeves ' loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. This loan was serviced by " ACS Loan Service Provider ''. This company no longer exists and now appears to be " Conduent Education ''. However when I visited their site, it seems to they are no longer servicing my loan. 

From their site : " As of XX/XX/XXXX, Conduent Education ( fka XXXX ; ACS Education Services ; XXXX XXXX XXXX ) services has ceased all Student Loan servicing of all forms of such loans and all loans have been moved to other servicers. '' I have no idea who is currently servicing my loan and I have no idea how to find out. Since graduating in XX/XX/XXXX, I started seeing 2 missed monthly payments on my credit report for this loan. 

I need to know who is currently servicing my loan so I can pay the missed payments and keep my account current. I also need these missed payments removed from my credit report. I have every intention to pay off the loan but did no receive any communication about who my new loan servicer is, so I was not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-01-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive disputed inaccuracies with Equifax XXXX. Ive paid my XXXX on time & consolidated the old loans into just two final loans. Equifax has not updated my credit report or made any changes in a year. Equifax will update my credit card payment & utilization for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX REFUSES BY PHONE TO REVEAL THEIR CALIFORNIA AGENT FOR PROCESS OF SERVICE.I NEED A NAME AND ADDRESS TO SUE AND SERVE THEM FOR FALSELY VERIFYING A DEPARTMENT OF EDUCATION LOAN THEY REFUSE TO REMOVE ( IT IS NOT MINE ) .BY LAW THEY ARE REQUIRED TO PROVIDE THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX : Capital One charged me interest on a XXXX balance for the billing cycle. I called to ask them to correct it and they said they couldn't. They did this to me last month but I paid the interest because I need to maintain a XXXX balance on this card. So I asked the supervisor, XXXX ( # XXXX ), if they were going to try to pull the same shenanigans next month and he said they do not charge interest on interest, but told me I would be charged a late fee if I made a late payment. Here is where the problem lies. I have never made a late payment in all my years with this company and he had no grounds for threatening me with a late charge. I feel I was discriminated against and he made a bad judgement call that was very unprofessional. The interest in question is only {$5.00} and he could not credit me, so I am filing this complaint for being ethically violated. I am an upstanding citizen, tax payer, who has never made a late payment and he judged me as if I was some hoodlum off the street. He needs reprimanded or fired and I want to be credited my {$5.00}. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: ID

Complaint narrative:
There is an error of the reporting of my account onto the Experian and XXXX  Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. Experian now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit collections made a payment arrangement with me in XX/XX/XXXX with preauthorized ACH payments for a XXXX debt I had after a divorce. The payments so far have been made on time and accordingly. When setting up arrangements I asked if this would impact my credit since I am satisfying the debt. The representative assured me since it was being taken care of and satisfied, then it would not be reported. The payment arrangement was 3 equal monthly payments totaling the amount owed, starting XX/XX/XXXX, with a final payment date of XX/XX/XXXX. When I checked my credit report in XX/XX/XXXX after the first payment, the agency had reported the debt. I called the agency to clarify there was payment arrangements made on the account and that I was told there wouldnt be any report to my credit. The agency said it wasnt there problem and they couldnt do anything about me getting false information. I had to pay it in full and they still wouldnt remove it from my credit even though they mistakenly did report it. Now my credit has gone down even further while Im trying to refinance my home to be more affordable after recently being divorced and being unemployed for almost a year. I finally am employed and am financially stable, so this has prevented me from making future adjustments because of the negative effects it had on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX before I was told the balance was paid it`ll be removed

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 2020-01-15 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: ID

Complaint narrative:
There is an error of the reporting of my account onto the XXXX  and Transunion Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. XXXX  now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.

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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
An account from Jefferson Capital Systems for {$590.00} called XXXX  XXXX was added to my credit report that is not mine and I would like it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rothman Evans, P.C.
State: NY

Complaint narrative:
Attempted to call agency that has active collection open., and was advised to send dispute letter which I did and provide current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!

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 2020-01-15 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the Chexsystems reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my Chexsystem report back in XX/XX/XXXX still shows XXXX  XXXX XXXX reporting the debt. I called today XX/XX/XXXX to XXXX  XXXX XXXX recovery department told them I paid said shows it paid but they can`t remove it from chexsystems before I was told the balance was paid it`ll be removed

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 2020-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ftc violation caused by the apt manager remove it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violation caused by the apt manager remove it 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 2020-01-15 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:
I have reached out to XXXX and TransUnion several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS  OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XXXX was the ONLY Agency to Remove all Negative Items I requested. TransUnion and XXXX both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
remove the fraud FTC violation fix my credit history 15 % of my credit 35 % is utilization fix that also

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 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!

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 2020-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TX

Complaint narrative:
remove the fraud FTC violation fix my credit history 15 % of my credit 35 % is utilization fix that also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief