vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX  responded by sending me a letter dated XX/XX/XXXX
The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX  are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, TransUnion, and XXXX accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my TransUnion and XXXX credit reports. XXXX  is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.

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 2018-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are Experian, XXXX, and XXXX  accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX  and Experian credit reports. XXXX is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2018 I was charged XXXX over a total of 11 transactions for purchases I did make. I immediately made Paypal aware that the transactions were fraudulent. 

On XX/XX/2018 the disputes were closed and paypal removed the monies from my account. 

XXXX ( the transaction processor ) support is stating in case # XXXX they have made paypal aware the transactions are fraudulent. 

I have a few concerns here that I think are relevant to the CFPB. 

1 ) I'm not sure how this refund has not been processed and how I am having such difficulty talking to a human. There are not corresponding transactions now on the XXXX side as they have cancelled them completely. 

2 ) I'm not sure how funds were debited from my account in the first place. The " payment method '' used was set up 10 years prior for one time use, and was an agreement between myself and XXXX. To my knowledge I never authorized XXXX to debit my account and I never entered into a billing agreement with XXXX and Paypal Inc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 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: MN

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/18 RE : Account : XXXX XXXX XXXX  # XXXX  To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: NY

Complaint narrative:
Hi I am contacting you because I have tried contacting transunion about this problem continuously with not resolution so I'm hoping that with your help we can get to the bottom of the problem. My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX I am contacting because transunion continues to report things on my credit report that don't belong to me. They are reporting that I lived at XXXX XXXX XXXX and I have never lived at that address that address is fraud and I want it removed off my credit report. They are also reporting wrongs balances on my credit cards all of them and I would like them all updated with correct information. Transunion also reports several phone numbers associated with me and I have had the same number for the past 15yrs which is XXXX all the other numbers are fraudulent and I want them removed off my credit report at once because they do not belong to me. Also transunion displays two different social security numbers and I have sent them copies of my social security card so that's the only social security number that should be displayed any other is fraudulent and I would like it removed at once. Also I don't want my ssn displayed on my report as I am a victim of identity theft as well as a victim of XXXX XXXX with an order of protection. I am also XXXX  so this is very stressful please help me fixed these inaccuracies in my credit report that me and my XXXX son can get to a safe place as these issues are making my credit score to low to obtain a safe place to live. My ex husband stole my identity as well as my sons and he was XXXX   back to XXXX  for this and the my neighbor XXXX XXXX   burglarized my home and I have a order of protection against him but it doesn't stop the fact that he has already gotten my information as well as my sons. Order of protection was issued by XXXX  towncourt but it didn't stop him because he violated the order so I moved to get my son to safety. I also filed a report with attorney generals office please fix my credit report so that I can get my life back.

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 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have attempted to cancel our PMI several times and have followed all the requirements that Wells Fargo has instructed us. Our LTV Ratio was 79 % and XX/XX/2017 we requested that our PMI be removed because we had got below the 80 % mark and Wells Fargo required that we pay {$200.00} for a Broker 's Price Opinion ( BPO ).

We complied and Wells Fargo sent XXXX XXXX of XXXX XXXX XXXX in XXXX Texas. XXXX devalued our property just below the required minimum so that we would have to continue to pay PMI to Wells Fargo. Base on our appraisals and another BPO performed by another relater in XXXX, we believe that the agent acted in the benefit of Wells Fargo and that we have paid in more than required to cancel the PMI. We have also disputed the case using the guidelines at Wells Fargo providing evidence that out home is worth {$210000.00} and they denied the request. Please help us.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank that I have an XXXX XXXX XXXX card through has been harassing me. I have had a payment scheduled for at least two weeks ( including my late fees in the amount of {$180.00} ) from a prior payment that was due. Regardless of the fact that a payment was scheduled they have been calling me every single day at least 3x per day if not more for the last two weeks. I understand that money is owed to the company on my end but with other companies that I have accidentally been late on a payment usually as soon as I schedule a payment there is a promise to pay and they stop calling me. This company called me twice today and the payment is scheduled for today and shows up on the website account page as being scheduled. Yet they STILL call me!

I don't know if it's harassment but it's not okay whatever it is. I have had so many problems with this company in the past and as soon as the school costs that are remaining on it are paid off I am so done with this company they do not care about their clients.

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 2018-04-20 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: KY

Complaint narrative:
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX7 XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX Credit Report Hard XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXXXXXX Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because XXXX was hacked and my information was given out. I didn't make these inquiries or even start any of these.

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 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My name is XXXX XXXX. I cosigned a private loan for my son XXXX XXXX XXXX since then Navient bought the private loan from the original lender who was Sallie Mae. The interest rates changed since the original loan and I contacted Navient just recently due to the fact that I am retired and XXXX and my son has become XXXX since then. Navient informed us that they would be sending forms for us to assist us but instead sent us a notice on XX/XX/2018 to inform us of an increase in repayment amount from XXXX a month to XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc
State: NJ

Complaint narrative:
I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2018, I was out shopping at my neighborhood mall. I went to various places to spend. Once I got home I looked at my account history to check my balance. To my surprise an ATM withdrawal in the amount of {$300.00} was taken out of my account by an unknown person. The card was in my possession and I have no idea how someone couldve withdrew money. I never use ATMs as theyre unsafe to me. I immediately transferred the rest of my money away from the card and called American Express Serve to notify them of the unauthorized transaction and have them cancel my card. They informed me Im not liable of any fraudulent transaction and my claim would be processed and credited within 10 business days. About 20 days later I received a letter stating that the claim has been denied because it was an atm transaction and i must have authorized it. I HAVE never went to the ATM and I didnt authorize anyone to and no one had access to my card other than me. They told me to write their dispute department explaining this situation. I faxed and mailed their dispute department with no response. I just dont know what to do, i trusted this company for over five years. Now I no longer want to be a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Company is attempting to collect a debt for {$1500.00}. 
I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
NO idea what this is for ... ... ... ... 
Tried communicate with the company they talk in circles or do not send detailed information of this debt to verify. 

I need this removed from credit report immediately, if unable to provide proper back up it has been since XXXX that I requested information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX XXXX has been routinely calling my phone number multiple times per day, often calling from a restricted number. I have stated multiple times I do not wish for them to keep calling me, as I have access to my account online. I live paycheck to paycheck, and sometimes the due date comes a couple days after I get paid. However I have always paid my credit card bills with comenity, if by a few days late. It is extremely annoying to have my phone ring constantly, especially when a legitimate business masks their calls, which I think should be against the FTC guidelines, but it's shady as it is!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, 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 monetary relief