vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank called and informed me they wanted to close my account due to too many claimsand too many debit card replacements. After contacting them to dispute this I was screamed at and was treated to several abusive tirades

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 2018-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent certified mail tracking number XXXX to Experian XXXX. XXXX XXXX XXXX, TX XXXX containing a dispute letter with inaccurate information on my credit report. Experian received my letter on XX/XX/XXXX at XXXX XXXX. I waited for the results which according to the Fair Credit Reporting act the bureau has 30 days to respond with my investigation results. I did not receive any information from the credit bureau. 

I waited until XX/XX/XXXX to check for any results but was met with negative results. 

I then followed up with Experian by sending a certified letter tracking number XXXX on XX/XX/XXXX to the above address which was received on XX/XX/XXXX. 

I have not received any documentation that the letter was received and no information was removed from my credit report. I dont have a copy of the original letter on file but i have a print out of it if the bureau needs to see it to remove the items.

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 2018-05-23 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: IL

Complaint narrative:
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by Credit Karma, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact Credit Karma since its supposedly a known issue that had reached resolve, so I did, and Credit Karma suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Account Dispute # XXXX filed with Experian on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/XXXX. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/XXXX showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/XXXX resulting in being referred back to the City of XXXX to obtain proof that this debt is valid. XXXX XXXX XXXX will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately. 

Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, 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 2018-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a negative account that doesn't belong to me and have continually done so even though I have sent in all documentation and police reports for removal They removed the account and just recently placed it back on my credit file and will not reply or correct this

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 2018-05-23 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: IL

Complaint narrative:
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by XXXX XXXX, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted Transunion and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact Transunion. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

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 2018-05-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted Synchrony as advised by XXXX XXXX, but Synchrony could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from Synchrony, stating that I did not initiate the request. I received paperwork to submit to Synchrony to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

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 2018-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: IN

Complaint narrative:
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX   because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX   SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX.

ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX   WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT.

XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT.

AFTER GIVING LEGAL ADVICE TO XXXX XXXX   AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING.

XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX  IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT.

PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.

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 2018-05-23 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: OH

Complaint narrative:
I have disputed inaccuracies regarding credit inquiries with Equifax. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming thorugh under this address. I have submitted my driver 's license and copies of utiliy bills showing my correct address ; however, Equifax keeps stating that the inquiries have been validated. 

Per my request, I also asked that they would submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Equifax that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistantly disputing including the new listing of this unknown address. 

Again I am requesting that the creditor and Equifax provide documentation baring my signature for consent. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The issue at hand is unapplied funds with mortgage payments in excess of what is required. Funds in excess of the mortgage payment are not applied to the principal balance of the mortgage. Payments of {$300.00} per month result in :XX/XX/XXXX {$91.00}, XX/XX/XXXX {$97.00}, XX/XX/XXXX $ {$96.00}, XX/XX/XXXX {$86.00}, and XX/XX/XXXX {$53.00} ( total {$420.00} ) not being applied to the principal balance or my mortgage. Instead they are kept in an unapplied funds account ( in excess of the required monthly mortgage payment of {$180.00}. Please advise on how to proceed to get the {$420.00} in XX/XX/XXXX unapplied funds credited to my mortgage balance. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2016 Wells Fargo has a hard inquiry pull which is invalid

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 2018-05-23 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XX/XX/2017 Reporting an unknown inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX there was an unauthorized charge on my credit card for the amount of {$6000.00}. I opened a dispute with Capital One and they credited my account while the dispute was investigated. On XX/XX/XXXX they reverse the charge back to my credit card and didn't submit any supporting documents of my authorization to the charge. I requested the dispute to be reinvestigated in XX/XX/XXXX and till this day they still haven't provided a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/17 I purchased {$610.00} worth of autographed pics on line from XXXX XXXX and we never received the merchandise we contacted the seller to no avail and ultimately filed a dispute with my credit card company citi card. The agent of their company handling the call mistakenly entered a fraud dispute instead of a billing dispute. After many months of going back and forth this error was finally corrected and a billing dispute was opened on XXXX of this year. By time this happened however citi had yanked the {$610.00} from the retailer and then since it was the wrong dispute they returned the money to XXXX XXXX. Clearly once money is returned citi can not for e the retailer to give it back so of course the retailer is refusing to do the right thing and now so is citi. After 9 months of fighting and going back and forth with citi they have closed both of these disputes and claim Im out of luck. Problem is according to federal law I should not have to pay for merchandise I clearly did not ever receive. And my credit should not be damaged as a result not should I be held liable for a mistake their employee made in the first place. I am seeking restitution from citi and to  have them write this money off as it was their mistake not mine and I want my credit which they have damaged to be restored regarding this matter.

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 2018-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a collection with Transunion XXXX XXXX that was previously disputed and removed from the credit report over a year and a half ago. It was later added back to my credit report only on Transunion not the other credit bureaus with no notice to me. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.

If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.

Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide a notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

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 2018-05-23 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: FL

Complaint narrative:
It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since XXXX has no license in my state, the loan contract I have with them is not valid. They also subsequently changed the terms of the loan agreement on XX/XX/2017 without receiving my affirmation of the changes. I am hereby requesting they remove any and all reporting they have made to any applicable credit bureau. The basis for their reporting is not valid.

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