vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
In XX/XX/2018 Our RV was at a park where the electric was provided by XXXX XXXX. Towards the end of XX/XX/XXXX we contacted XXXX to shut the power off at the time I believe it was two days after we moved. They did not shut the power off instead a new tenant was using the electricity through XX/XX/XXXXand now Helvey & Assoc. are attempting to hold me at fault for their clients negligence. I unsuccessfully disputed twice with the bureaus because Helvey and Associates description of events held more weight than mine even though they were not a part of the negotiations at the time we moved. I contacted Helvey and Associates explained the dates that we moved, we had the name of the person that we spoke with at XXXX, and the date and time of the call. We were told they couldnt verify it. I submitted my bank account statement showing in the month of XX/XX/XXXX before the middle of XX/XX/2018 my address had already been changed. I provided a copy of my XXXX statement showing a charge of {$1.00} from I believe XX/XX/XXXX from USPS. I have gone above trying to prove my good standing and great llengtjs to try to have this resolved only to be told the collection remained. Regardless proof was shown that I did not live at that address and they could have simply contacted the facility to obtain my move out date. I went through all of this to prove my innocence why would I not call to deactivate my electricity when I was no longer living there? Thank you for taking an objective look and hopefully provide a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2019-06-18 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP 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 2019-06-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: NC

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred 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 2019-06-18 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: NC

Complaint narrative:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred 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 2019-06-18 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: NC

Complaint narrative:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. XXXX XXXX XXXX NEVEDA please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2019-06-18 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: TN

Complaint narrative:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

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 2019-06-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

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 2019-06-18 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: TN

Complaint narrative:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Repeated calls. 
4 calls without voicemail on XX/XX/19 6 calls without voicemail on XX/XX/19 2 calls without voicemail on XX/XX/19 1 call without voicemail on XX/XX/19 5 calls without voicemail on XX/XX/19 3 calls without voicemail on XX/XX/19 all calls begin at almost exactly XXXX, and end at XXXX. 

This is only the calls from the most recent number. I have blocked multiple numbers from them for about 5 months.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2019 I was illegal served a summons on behalf of Midland Funding LLC. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking Midland to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 I was illegal served a summons on behalf of XXXX XXXX XXXX. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking XXXX to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TX

Complaint narrative:
these following inquiries were not authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
these following inquiries were not authorized Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXBankingXXXX Show DetailsXX/XX/XXXXOil And National Credit CardsXXXX XXXX XXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX Show DetailsXX/XX/XXXXUtilities And FuelXXXX XXXX Show DetailsXX/XX/XXXXBanking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXXFinance XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXXXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX Wells Fargo was contacted to file a claim for a credit card benefit on an account that turned out to established under mis-information provided by the bank. 

The claim was rejected as a result of having a debit card issued by the bank as opposed to the the requested credit card. Although I requested a credit card, the Wells Fargo banker insisted I take a debit card and indicated that all the benefits on the credit card were applicable to the debit card. Upon making a first claim seven years later the claim was declined as the benefit was only applicable to the credit card. 

A follow up was send to the CFPB under case number # XXXX. 

The case was purportedly investigated, denied and closed by the bank and they informed me in writing that the results of their investigation could not be shared. 

So far the Wells Fargo has transferred me to about a dozen individuals and different divisions in the Executive Office call center. All that has been offered is the opportunity to ( now ) apply for a credit card and nothing regarding the card benefit to provide mobile phone repairs. I am seeking the {$270.00} for repair of the phone I was also informed in the past two weeks that the Visa logo on the debit card does not have any significance other than branding. I found this to be mis-leading and supports my contention that the Wells Fargo employee did not understand the features of the card that was not requested yet ordered. 

It is now being requested that the CFPB review the complaint process used by Wells Fargo as it could amount to stonewalling by virtue of investigative results that will not be shared and the use of a Visa logo. The net result is to receive the benefits as informed by a Wells Fargo and payment of {$270.00} to repair a phone where the monthly cell provider has billed the credit/debit card for over seven years, a requirement of the benefit. 

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 non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, a summons was left on the ground of the front gate of my apartment building, exposing my personal information to the public. This is in regards to a debt that was removed from my credit report by Capital One and fraudulently replaced on my credit report by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company has charged me XXXX dollars in fees in 45 days. They are stealing my money on transactions i have cash for pos service. They are closing my account and refuse to give me my money back they have caused me to be late on rent and not have groceries in my house its ridiculous. XXXX dollars charged in funds for transactions they paid but i declined overdraft service and i had money in the account.XXXX dollars XX/XX/XXXX. XXXX charged on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on my XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX dollars on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I received three emails from Equifax on XX/XX/2019, saying my disputes are done. When I only dispute two things on my credit report, which were only XXXX XXXX and XXXX XXXX. I went online to access my credit report and they told me that I am still answering the wrong questions on my credit report. So what is not right on my credit report if things on there which are not me. The next page said I need more information. Which Equifax has a copy of my light bill, my driver license, and a copy of my social security card, which I sent this last month. I can not see my credit report credit to see or what Equifax is doing without my permission. I am NOT allowed to access my own credit report and see what is going on. Equifax is blocking me from seeing my own credit report and I requested at the beginning of this month to receive a copy of my credit report. This is not right what Equifax is doing to me when everything in the United States is base on your credit. Now Equifax is not letting me see my credit report at all. 

Here is the copy of the emails Equifax sent me this morning : Dear XXXX This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 

Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 


Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now!

You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 24 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
calls 5 times a day every day since 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 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I contacted Navient to work on payments. I get my account information XXXX, 2019. Only received a letter saying their counseling and my payment plan. They never notified mean the payments were not going through. XX/XX/2019 We gave them my account information. But continuously they're saying they can't take out the payments. Insufficient funds, yet when I research there's been significant amount of money in my account each time. When I asked for documentation for my bank. They couldn't provide any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company is attempting to collect and unverified debt. I will be seeking damages. This is unlawful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation