vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I XXXX XXXX is writing this letter to dispute a charge on my credit report. On XX/XX/2019 I allowed Source Receivables Management to charge XXXX from my XXXX XXXX XXXX account. Making this payment my XXXX account was supposed to be settled. Closed out. Source Receivables Management sent me a letter of confirmation. Two months later I noticed they placed this account back on as open. I phoned Source Receivables Management and they stated they never received the money. That I called my bank and told them not to pay the XXXX. This is not true. Source Receivables Management was paid and I requested a letter of proof from my bank. This letter is enclosed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We're based down here in XXXX and used the online service XXXX through Bank of America to do a money transfer to another party who claimed they had tickets. The amount was for {$110.00}. 

We felt comfortable using XXXX, because it was done through the Bank of America system, like any other safe wire transfer. No where on the site does it state it's unsafe, especially against fraud. 

The person didn't send over the tickets and we ultimately got scammed out of the amount. When I called Bank of America, they said there was nothing they could do. And XXXX doesn't do refunds. 

The fraud policy is more ore less hidden when it comes to XXXX transfers on Bank of America 's site, in addition to XXXX. We were unaware we weren't protected.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to the 3 bureaus almost a year ago regarding my public record/rental background. I have 3 evictions that doesnt belong to me. They continue to get me mixed up with my father. Ive told them Im a XXXX   and hes a XXXX.  They told me I needed to submit documentation of the leases which I dont have because Ive never rented or owned a home at all. I just want those items removed because theyre affecting my life with me being able to rent. They cant even verify who it belongs to because the courts dont give out full social security numbers so them reporting those evictions on me are not apart of the Fair Reporting Act.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues to claim that they hold an existing mortgage on my property, I DENY THESE CLAIMS. Therer is no validity to the " so-called- NOTE they are trying to sell as legitimate./ Wells Fargo 's Mortgage Department states that these documents meets none of the requirements of a Mortgage note. Wells Fargo 's claims that they sent a copy of all of these documents of the guidelines of a Mortgage note is not true. The documents sents were not consistent, for example the claimed note is not legible and require a magnifying glass to read of which reveals inconsistent dates, claims, documents that belongs to other properties, incorrect address, cut and paste " LONE. '' signature. Failure to notarize or date, If this is the way that Wells Fargo admits doing business, then they need to be put out of business. This is Fraudulent monkey business. 
I requested the complete files, escrow, title, closing statements, truth in lending, Amortization schedule, RESPA, ETC, requirement, the complete package dating back to XX/XX/2006, without pause or or documents that can not be reasonably applied to any loan claim. Also under what guise or rules do they presume to claim a valid Loan date without a signature. I DENY A LOAN WITH WELLS FARGO, THE LOAN APPLICATION AND OTHER DOCUMENTS DISPLAYS MISSTATED INFORMATION AND BY THE WAY, I AM NOT XXXX AND A SENIOR CITIZEN BEYOND THE AGE NOT QUALIFIED FOR A LOAN. STOP THE BLEEDING.

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 2019-06-09 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: FL

Complaint narrative:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-09 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: MA

Complaint narrative:
I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a XXXX mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: MA

Complaint narrative:
I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX. to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: MA

Complaint narrative:
I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX XXXX XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  XXXX - XXXX, MA XXXX XXXX for {$4300.00}.

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 2019-06-09 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: NC

Complaint narrative:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. 
XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXXXXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/XXXX  XXXX XX/XX/2019 XXXX  XX/XX/2019

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 2019-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
After the impact of hurricane Florence here, I was placed into forbearance in XX/XX/2018 to get back to normal. During the time of trying to research our situation, I was notified by the insurance company that was supposed to be providing wind and hail insurance, that coverage had been cancelled due to non payment from the escrow account of the mortgage company ( Pennymac ). No notifications had been presented to me and the mortgage company was completely unaware of the situation. This insurance is required for our geographic area. No force placed insurance was offered or placed on the property which lead to all damages that happened during the natural disaster had to be paid cash out of my pocket. While under forbearance I was interviewed around the 90 day mark and not made aware that credit reporting was about to start happening while my family and I still tried to get back to normal while saving to do repairs that were not covered by the negligence of the mortgage company. No attempt was made by Pennymac to help me recoup the costs of their mistake and was left out to dry trying to save for repairs from the storm and was left out to dry damaging my credit report. 

Also I have discovered that I was reported 30 days late for the month of XXXX when payment was received ( paying the load off ) on XX/XX/XXXX. Due to the property being under contract and the account needing to stay untouched I did not make a payment thinking the money would be presented to the company on time. My usual due date was the XXXX of every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: FL

Complaint narrative:
Multiple incorrect accounts are reporting on my credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX 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 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Have several listings of debts have been paid and company refuses to remove them from my credit report which is hindering my credit rebuilding process and wont allow my credit score to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I opened a checking and savings account with Wells Fargo in 2012 I believe, I do not have the account number available to me as all accounts are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second account to use for bill pay, I later opened additional checking accounts, accounts ending in XXXX, XXXX. It's common sense to know you do not need a second checking account, you can keep your funds in one account and still manage bill pay.. Reps would routinely insist I open a second account whenever I called in with questions about the account and or any fees. It appears Wells Fargo reps only wanted to boost profits as they were advised to persuade customers to open additional accounts by executives, this information can be found on any number of news sites pertaining to this issue. I fell victim to this, opened accounts I did not need.. Prior complaints were made about fees charged to these accounts and settlement payment which is inadequate. Wells Fargo made a settlement fund due to their reps high pressure sales tactics in order to boost profits and salary of executives. I received a payment in the amount of XXXX from this settlement which appears to be a remedy not a resolution of fees. I understand the administrator of settlement determines how much is paid out, even though Wells Fargo agreed to the settlement and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from settlement. Suspicious of this, I requested copies of statements via a complaint with the CFPB, which was marked as duplicate, another complaint filed with the OCC in order to obtain them. I've since received several duplicate statement copies, which are not needed. I also received a notice from Wells Fargo Mediation, I replied with a request for remaining fees which I total in the amount of {$610.00}. The total in fees I show and have attached statement copies to this complaint is {$870.00}, I was paid a total of {$260.00}, thus leaving an amount of {$610.00}. Please note, this does not include the monthly service fee of XXXX. I reasonably requested XXXX via medication, have not heard back in re. I do not know how Wells Fargo rep ( s ) replying to these complaints calculate these payments, XXXX and XXXX, however, they appear to be a remedy not a resolution. I request Wells Fargo do an accounting of fees charged to these accounts, refund difference which I believe to be {$610.00} which reflects {$260.00} paid to me prior.

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 2019-06-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I had an investigation with Equifax through XXXX XXXX. I disputed XXXX XXXX account and the account was removed from my Equifax Credit Report for a few days. At this present time XXXX XXXX is reporting on my Equifax credit report once again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In XX/XX/2019, I conducted a review of my credit report. I found items that I was unaware if the debts actually were valid. Therefore, I began to dispute with the credit bureaus. Upon doing so, I received a letter stating that the debt was valid with a duplicate bill. According to FCRA laws, this does not substantiate the debt being valid, or, belonging to me. This company is known for such illegal collection tactics as well as failure to adhere to the laws of FCRA. Prior class action lawsuits indicate this. Yet, they still continue to engage in the same unethically and illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need the mailing address to send in the requested documents that prove my identity. 

I requested a free credit report and I was sent a letter asking me to prove myself but no address was listed. 

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 2019-06-09 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: Riverwalk Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX, Original creditor XXXX, i disputed this account with XXXX   because it was fraud account someone bought a car under my name and XXXX removed but XXXX wont remove it and i disputed it twice with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
It was made clear to the cashier, that I did not want a department store card. Nordstrom Rack cashier confirmed verbally twice on XX/XX/19 that I was applying for a credit card where it can be used at any retail center. The cashier even gave me the credit card agreement documents. I did not want a card where I can only use at one store. Unfortunately, I received a Nordstrom store card in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
National Recovery, the individuals allegedly persuing a debt of a XXXX XXXX bill, reported said debt to my credit report with no prior written notice of such claim, no account number associated with said amount due and no chance to pay debt, before they reported alleged debt to my credit. I deserve to have knowledge of said debt and a chance to reconcile such debt, before it impacts my credit score thereof. For such wrongful demeanor and unrelentness false reporting, I request the inquiry be removed. So, I have a chance to dispute such claim ( s ), before the claim has an impact on my CREDIT score, which National Recovery did not give me an option nor a written bill or any validation of said bill even existing prior to the reporting of alleged amount owed to the credit bureaus. 

Sincerely, XXXX XXXX ( Business Owner/Entrepreneur )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation