vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 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:
TransUnion XXXX XXXX was a fraud account I complained for years I have tried to contact XXXX many time with no response so I dont know how you can validatethis as mine XXXX XXXX is not a legal investigation I forward fax letters from myself to XXXX as you said any questions contact XXXX  I REQUEST AN ACTUAL SIGNED CONTRACT WITH MY SIGNATURE I DO NOT OWE ANYTHING TO XXXX IT WAS'NT MINE I DID PAY IT TO REMOVE IT FROM MY REPORT SO ACTUAL CONTRACT MY SIGNATURE FROM YOU YOU VALIDATED IT OR REMOVE FOREVER enclosed are faxs made to 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 2018-07-18 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian after bank sent me letter advising me to contact Experian. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank XXXX and Experian have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say Experian has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what Experian is telling everyone but me. 

Regards 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 non-monetary relief
Consumer complaint received 2018-07-18 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: IN

Complaint narrative:
Experian is currently reporting XXXX XXXX XXXX XXXX as being 30-days late twice. I have notified Experian, XXXX XXXX, and XXXX   via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX XXXX and XXXX  have both removed the late status. Experian only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. I have contacted XXXX XXXX and asked them why they are reporting that I am late. They responded that they are not reporting that I am late to anyone and they only report to Experian. They have stated that they do not see any 30-day late on my account and Experian NEVER contacted them with a dispute about the account, which I sent them three certified letters about this account already. They must now remove the delinquency on the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I went to a XXXX XXXX in 2011 and defaulted on partial loan XXXX XXXX sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I have submitted a debt VALIDATION letter to XXXX XXXX XXXX and it's original creditor XXXX/XXXX  on XX/XX/2018. In the letter ( attached ) i asked to have the debt VALIDATED by showing proof of agreement with a bearing signature and proper documentation that allowed them to report negatively on my credit file. XXXX XXXX XXXX AND XXXX both responded with a bill instead of actual proof of this account being owed by myself. XXXX XXXX XXXX is reporting to my XXXX and XXXX is reporting to all 3 of the credit bureaus ( XXXX, XXXX, and XXXX ). So i am taking two hits on XXXX by the same debt. This derogatory and offensive account is critically hurting my credit score and has caused several denials with banks. Neither XXXX XXXX XXXX or XXXX can properly VALIDATE this debt being valid and i would like this negative reporting removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
please reference previous complaint filed - # XXXX this is what i submitted and Wells Fargo came back with a response to a XXXX XXXX XXXX credit card ( # XXXX ) which was paid off BEFORE any interest could be charged so i need to submit my complaint again. I received a letter from Wells Fargo with a contact number and I have left 2 messages so far for XXXX XXXX at XXXX ext XXXX and have yet to hear back from him. 

I opened a credit card with WF ( # XXXX ) with a 12 month introductory rate. I recently noticed that they are charging me 28 % which is more than what they show online for " the worse case scenario ''. My credit isn't that bad so I don't understand why I am being charged the highest rate, even more than what they advertise so I called them The guy on the phone agreed with me and said " I don't know why you are being charged more that what we quote '' and he gave me back 2 months interest but said he couldn't adjust the interest rate. in 2017 I paid almost {$1000.00} in interest! My monthly payment is {$130.00} and {$88.00} goes to interest ... how can I ever pay this off at this rate?

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 2018-07-18 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: IN

Complaint narrative:
The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -Transunion , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted Transunion and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.

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 2018-07-18 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 — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX  has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me. 

Regards 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 2018-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This is for a complaint of an account for a report of XXXX dollars missing out of my Citizen 's Green Savings Account. While in the most currant occupation, I managed to open a savings bond for investment holding. The account was linked to the bond but no transaction was made before the money was missing. thus an income by-weekly, a suppliment of income was deterred. I was inflicted, mournful, and dreaded of this mistake. In the prior time i made a report of the money missing to the clerk minutes after and the next week, no call was made to me and no police arrival. after 2 and half years another incident escaladed by another transaction for XXXX which became a close call but made assurance to the neglega of the last incident. I made a call to the FDIC and police to make repamands but still yet, no closure of the incident. 

-Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed there were interest charges on my credit card account despite the fact that I have until XXXX and XXXX to pay off two credit card transfers which I paid 3 % to transfer. They claim I paid it off early. I called each month and asked how much do I have to pay to not be paying interest and they gave me a figure, I paid that figure and yet kept getting charged interest. Even their own employees didn't know how it worked. I still have until XXXX and XXXX to pay this account off without interest but since they keep charging me interest so I paid it off. They stole my 3 % and charged me interest every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX regarding account XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. Thank you.

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX regarding account XXXX on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. Have also informed XXXX that I am a victim of identity theft and that this account is a result of identity theft as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I do not live in the XXXX. I live most of the time abroad, serving at the XXXX University and working with the XXXX XXXX XXXX. in XXXX, XXXX. During the summers, I return to California. I use Wells Fargo for the vast majority of my banking needs while abroad, and for all of them when I am in California. 

Despite the fact I do not live in Indiana, they sold my account to a different XXXX  branch. They admitted this was a mistake during my first phone call, but then they never fixed it. I have been on hold for over 10 hours total on at least five occasions. My latest call took nearly two hours, but XXXX XXXX ( the customer complaints person ) refused to give me to a supervisor and was unwilling to help me. 

I want to keep my account with Wells Fargo. I do not want it to transfer to this new bank.

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 2018-07-19 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: IN

Complaint narrative:
The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in  Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was  unable to make a determination of what, if any, amount was owed. '' XXXX  still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN ''  for 3 years. 

I am filing this complaint against Experian because I believe if I dispute this collection with them, I will get the same result as 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 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Have had financial setback so called cc and asked for hardship plan. Two companies would not help me. Talked to XXXX and enrolled so they could help. PayPal credit was sent check for {$150.00} on XXXX-XXXX-18.  Had to mail cause this cc wont sign up for electronic payments that XXXX uses. The check was cashed on XXXX-XXXX-18. As of today at XXXX they have NOT credited my account. XXXX is a DMP that helps folks get their financial problems under control. XXXX has been in contact with PayPal credit and trying to get my account corrected. Please help me if you can. I think outrage that they can do this to consumers.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Complaint Against Experian and XXXX  for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XXXX, XXXX and thereafter ( XX/XX/XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- Experian and XXXX  refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. Experian and XXXX  refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against Experian and XXXX for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval

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