vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A {$100.00} rebate was offered from Synchrony Financial when opening and using a new " XXXX & XXXX '' credit card on any single-receipt purchase. Offer valid XX/XX/XXXX. I made a {$260.00} purchase on XXXX after applying for and using the card info at the store to make the purchase. I paid the account on XX/XX/XXXX. I mailed all required documentation including a copy of the original receipt and rebate form to : XXXX & XXXX   Rebate, Offer # XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX. After no response or rebate, I contacted XXXX XXXX XX/XX/XXXX, and was told they had none of my paperwork. The rebate form had to be postmarked by XX/XX/XXXX. I spoke with a program manager named XXXX and was told although XXXX could not help, if I would fax her all my paperwork she would see how she could help. She did not contact me. I contacted the rebate center and spoke, emailed my documents to XXXX. I was told they would see what they could do to help. No one contacted me. I called XXXX XXXX  on XX/XX/XXXX, and talked to XXXX who wanted me to AGAIN fax everything. The rebate center emailed me they were trying to get in touch with XXXX. I still do not have my rebate. Have I been scammed?

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 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NC

Complaint narrative:
XXXX XXXX XXXX has a debt on my credit report, I contact them in reference to such because this is hindering my housing opportunities. When I spoke with the representative yesterday XXXX, he stated to me that he is attempting to collect on the debt. The debt has exceeded the statues of limitations per the state of NC Gen Stat. 1-52. It remaining on my credit report is hindering housing for me and my children. The representative has also told me that the account is accruing interest still, yet they are operating unlawfully. I asked them to send me copies of all documentation so that I can have an attorney review it. The representative proceed to tell me that the company operates under the laws of CA, I explained to him that I am governed under the laws of NC, therefore, I can not be held under CA statues.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TX

Complaint narrative:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed 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 2018-03-01 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: TX

Complaint narrative:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TX

Complaint narrative:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed 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 2018-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I paid a bill to XXXX XXXX in XX/XX/XXXX which was paid out on XX/XX/XXXX recieved by XXXX XXXX   on XX/XX/XXXX by electronic funds transfer but not credited to the account we have with them until the XX/XX/XXXX one day after the due date on the XX/XX/XXXX. this caused them to charge me a {$27.00} dollar late fee. Furthermore there was not a notification of the late fee until after I made the XX/XX/XXXX payment, once again on time but considered late because it did not include the {$27.00} late fee charged in XX/XX/XXXX. This caused them to charge an additional {$38.00} late fee for the XX/XX/XXXX payment. This sounds like compounded interest to me on an interest free loan by the mattress company XXXX XXXX. One must watch XXXX XXXX closely for this fraudulent type of activity.

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 2018-03-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #

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 2018-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.

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 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo Bank took {$15000.00} from my wife and my business checking account - my wife and I were using that money to survive - to pay food bills, XXXX XXXX XXXX XXXX bills, and basic needs. We have a small business and like millions of Americans suffered financially in the Great Recession. I was hospitalized several times due to XXXX  and severe business financial loss. 
the woman from wells fargo who called me was very mean spirited, abusive, threateing XXXX XXXX or XXXX   is her name. 
prior to seizing the {$15000.00} from our account., Wells Fargo XXXX stole '' money from XXXX XXXX XXXX personal life savings which the terrible vultures have since returned. 
I felt like XXXX XXXX XXXX XXXX  XXXX against the evil unremitting police detective It was evil to take money from people in mid seventies I would have worked out a repayment deal with these unforgiving merciless XXXX XXXX - white collar criminals I would be willing to work out a repayment if they return the {$15.00} we were advised to file BK, and did not for we want to repay people who trusted us to loan us money ( Wells Fargo included ) They did return the money they took from my wife 's account ( taken before XX/XX/XXXX and the amount was about {$17000.00} - the rats returned it. Possibly because they took the money from my wife 's personal wells fargo savings account and probably did so illegally - Wells Fargo has put {$250.00} XXXX dollars in a fund to pay back people they defrauded in the credit card scam they ran. 
Wells Fargo further deceived us by telling us we had to open a loan ( line of credit ) in order to get our house financed buy Wells Fargo. 
I am so hurt and angry at what Wells Fargo did to my XXXX year old wife and myself I pray justice is done 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 monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams

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 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I spoke with the mortgage company with the intention of getting help in regards to my mortgage payments. This was right after hurricane Irma had passed and came to the conclusion with the mortgage company that those months would be forgiven and added to the end of the mortgage agreement. Those 3 months passed and made no payments as promised by the mortgage company. At the start of the year, I was advised by this same company that I owed them those 3 months of mortgage payments all put together. This is completely contradictory to what I had agreed upon with them before. I have continued to make my mortgage payments for this new year but the mortgage company continues to insist I pay for the last 3 months of last year. This added pressure is not helping at all and making me nervous I will lose my home. Why promise something and not hold up your end of the bargain? My family and my house suffered greatly from the hurricane and I don't need any added pressure to my day-to-day life. 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 2018-03-01 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in  XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX   XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX  XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. 

I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX  XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. 

Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. 

Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX  XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been paying on a loan with XXXX XXXX XXXX. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me

Company response to consumer: Closed with explanation