vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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: IL

Complaint narrative:
On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 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:
I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hi there Portfolio Recovery has been literally harassing me daily via my phone # regarding a debt that was paid off in full via a settlement agreement in the very early XX/XX/XXXX 's ... ... yes thats correct over 15 years ago!!! They contacted me back aroundXX/XX/XXXXish stating I needed to pay this debt ( which I had with XXXX, we came to a settlement agreement ) I told them this and when I got something  in the mail from them stating that I owed ( actually more than what was really originally owed ) I sent a certified letter back with all of the info on the debt and it had been resolved and it just stopped ... ... NOW, they are calling me constantly again ... almost 10 years later!!!! I have since moved and discarded all of the stuff as seriously .... its been over 15 years and I had heard nothing more so, why would I have kept something like that? I tried explaining this to the last fellow that called me ( on my cell no less ) and he was very belligerent .... cursing, even called me a liar and told me to pay my XXXX bills. I hung up on him ... .. I did find it odd that the lady I spoke with last week ( who was just as rude ... but did not yell at me ) had the date of this debt as XX/XX/XXXX instead of the original XX/XX/XXXX. I, # 1 dont think that is legal and # 2 I still think that is out of the actual time frame that they can harass me correct? I am furious that I am being harassed for a debt that # 1 was settled over 15 yrs ago & # 2 was almost 20 yrs old now .... What the XXXX??? Also this time I have received nothing in the mail .... only the harassing phone calls!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed on my XXXX account that there is a debt collection account opened against my name. The claiming creditor is XXXX and the debt collection company is creditmanagementonline.com. The claimed amount is {$180.00}. Shocked by the claim as I had closed XXXX account on XX/XX/XXXX this year with {$0.00} balance and no equipment of company in my custody, I rushed to call the collection company. Provided them supporting documents for the payments I have made. Confirmed I never received any bill ( I had subscribed to email billing and online payment system! ) and requested the collection company to either produce satisfactory bills or remove this from my account. Until today I have not heard anything from collection company. I have also disputed this on XXXX.
Below is summary of payment and the closed account : 1 ) I opened account with XXXX XXXX XXXX activating it on XX/XX/XXXX. Paid {$88.00} which includes the first month 's advance payment and other amounts 2 ) Returned back XXXX 's wifi modem within the first month and they removed monthly $ XXXX charges from my monthly payment 3 ) My monthly payment was $ XXXX and increased to $ XXXX for the last month ( XX/XX/XXXX-XX/XX/XXXX ) when I switched to XXXX. Confirmed over phone with XXXX rep that I owe {$0.00}. And for me this was end of it.
4 ) XXXX  never sent me email for any other owed amount ( which was method of my billing ). XXXX never sent me invoice though they kept sending me promotional offer to my mailing address. My address never changed.
5 ) The claimed amount does not match anything. I have Credit Card payment track for all the months from XX/XX/XXXX to XX/XX/XXXX. Attaching screenshots of first and last payment as proof.
I feel that XXXX has very unfairly treated me with their claim. They have hurt my credit history with derogatory remark. Up until now, I have not received any written notice from XXXX or Collection company but on my own initiative I am trying to follow up for their mistake and ignorance and therefore filing this complaint.
Thank you in advance!
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A check of my credit report shows a {$70.00} collection from Credit Collection Services ( CCS ). On XXXX2017 I telephoned CCS to find out about it and it turns out that the original bill was XXXX XXXX on a policy that XXXX mistakenly auto-renewed after I had cancelled. This never should have billed in the first place.
Let me state clearly that I have never been notified of any debt owed or collection action by CCS. It was obvious that they did not have a telephone number nor an accurate address on file for me. This is clearly a case where I was not notified at any time prior to the negative item being placed on my credit.
I explained this to CCS and since the amount is so small, I suggested that even though I do not owe this money, I was willing to pay the {$70.00} if CCS provided me a letter stating that they would remove the negative item from my credit report upon full payment.
Even though I explicitly stated my willingness to pay a debt that I do not owe in order to get the negative item off my credit report, CCS was unwilling to discuss resolution. Even after requesting a supervisor, all they were interested in doing was obtaining my current address and phone number. I let them know that if they were unwilling to resolve the issue I would be filing complaints against them.
Due to their unwillingness to resolve an obviously clear mistake on their part, I now must go through the re-validation process ( this will take weeks or months ).
I explained that this negative item on my credit report is in error and requested that CCS validate the claim and remove the negative item from my credit report.
I request that they validate the debt is in error and immediately remove the negative item on my credit report. I was never notified of this collection issue. This is their account # XXXX on my credit in the amount of {$70.00}. It is my intention to file a complaint with the Attorney General of the State of Florida, the BBB as well as the actions afforded me under the FDCPA and FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Credit Services abuses Hard Credit Inquires for simply increases in credit card limits. Unlike other credit card services I have used, Chase rapidly and freely submits hard credit inquiries without the customer 's knowledge. This drives down individual credit ratings and allows Chase to charge higher credit card interest rates.
My example : Applied for a Chase Slate Card onXX/XX/XXXX - Chase ran a hard credit report which was expected and I was informed. It was approved. Three days later onXX/XX/XXXX, Chase ran another hard credit report ( and of course got the exact same result ). They contend I was not happy with the credit limit and asked for more. This I do not recall but certainly did not expect ANOTHER hard credit report to be run.
Again onXX/XX/XXXXChase cited another credit increase request to run yet another hard credit report.
Chase is manipulating the credit reporting without clearly informing the customer about added credit reports. This drives down personal credit ratings and allows higher interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I scheduled a Bill Pay transaction through my bank to pay my local electric company on or about XX/XX/XXXX for the payment to arrive on or about XX/XX/XXXX. My payment failed due to non-sufficient funds and I was charged an NSF of {$29.00}. I am fine with this as it was my responsibility to ensure funds were available.
What accompanied this charge was an email 2 days later from my bank stating their Bill Pay Vendor had paid the bill on my behalf and that I would be charged to my bank account again. I had since paid the original bill with the electric company and contacted my bank to advise they needed to cancel the Bill Pay transaction. I advised them that no further attempts on my bank account were permitted for this transaction and yet I was charged another NSF for this even after I advised to stop payment.
I feel this is unlawful and deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: IL

Complaint narrative:
On or about XXXX/XXXX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: IL

Complaint narrative:
On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I opened a business checking and savings account with Wells Fargo in early XX/XX/XXXX. I received an email onXX/XX/XXXXsaying thy closed my account and it was set to {$0.00}. I had {$9200.00} in checking and {$5200.00} in savings.
I called to see why my account was closed and they only could tell me that the account needed more information and I need to go into a branch.
I went back to the branch I opened the account at XXXX XXXX XXXX XXXX, MD XXXX. I spoke with XXXX XXXX Case # XXXX. He found out that the gentleman who opened my account did n't do so correctly and he is no longer there.
He said they sent a check to a UPS address with no mailbox in XX/XX/XXXX. I never received that check with my funds.
I was told that in order to stop payment on the check that is lost I would have to pay around {$300.00} because of some surety bond. I should n't have to pay for something that was n't my fault.
My business funds have been tied up for 2 months. I 'm not getting any answers. I email and call XXXX and the branch manager ( XXXX XXXX ) everyday. They say they are waiting to see if it 'll be in return mail.The district manager called me 1 time. Said he would call me back the next day but never did.

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 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: LA

Complaint narrative:
This complaint involves two things. The options would only let me choose one at a time.
I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX  Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached.
My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.

Company response to consumer: Closed with explanation