vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
Please know this is in regards to a closed/paid in full account.On all three credit bureaus my account with XXXX is showing a delinquency beginning XX/XX/XXXX, which is reporting as 60  days late. I had reached out to XXXX to request verification of when my account first went delinquent through their online website. I never received a response from them. I feel I have the right to know and seek validation. On their site I did verify my pay off date as XX/XX/XXXX and on the same document is says my account had " 0 '' delinquent days. Therefore, I would like to obtain verification since all three credit bureaus are reporting 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX and 120  days late as of XX/XX/XXXX. This is adversely effecting my credit ratings with the bureaus. Also I do not understand why if my account is closed that they would still be producing letters to send to the IRS. My account is closed with them and there should be no further documentation produced in reference to a loan that was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I found out that I was scammed through a company who offers to pay me for advertising their product and I had to deposit a check that unknowingly was fraudulent i didnt know it was the check cleared after a day in my account so I just assumed it was safe the bank has frozen my account and demands money back that I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX checkR had distributed falsified information regarding my public records in regards to criminal action. When asked to fix my record I was informed I must pay for a report and send it to them. I was advised that as they are a private party, hired to do checks, that this DMV report should not have to be at my expense. I did send a screen of the court dispositions, however I was told without paying for the DMV report that my record will stand. They further stated that they have directly pulled a current DMV record for me on XX/XX/XXXX and previously in XXXX. On XX/XX/XXXX the XXXX verified that what was reported is no where on my records. In XXXX I also informed the company of them falsely reporting. I then mailed the court document. The same court document XXXX at ChechR referred to as the final court document, and told me I needed to submit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been locked out of my credit report with Equifax because of fraud. Equifax refuses to work with me, they will not talk to me, or let me see my file. There is a fraudulent address on my report that I have been trying to get removed since XX/XX/XXXX. They have not removed it, and it has been updated as of XX/XX/XXXX. Equifax has locked me out of all communication with them because they say I can not identify myself. I am afraid my report is being changed and I can't get anyone to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I did not receive a bill the first two months I had this XXXX Store credit card issued by Synchrony Bank. Finally figured out I owed money, and they make it ridiculously difficult to pay and charged late fees right away. I think this card is just a scam to earn late fees. I finally now get emails that a bill is late ( never before that ... hmmm ) and the links in the email to go and pay the bill NEVER work. They literally are all broken links with no way to pay. In addition, I set up autopay. But each time it doesn't auto charge me, they say it will skip a month, and then they don't remind you and they want you to set up autopay AGAIN. And the cycle continues. I am not planning to use the card anymore despite the 5 % cashback offered on XXXX purchases. I would like to have all of my late fees refunded to me. Honestly, I have never had a credit card that the issuer makes so hard to pay. I got one email while travelling and did not have all the info I needed ... then it gets later ... it literally takes a few days to figure out how to log in and pay each month. Meanwhile, they rack up late fees. RUN AWAY!!!

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 2019-04-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
XXXX XXXX has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XX/XX/XXXX and they were not even established as XXXX XXXX until XX/XX/XXXX. Furthermore HFC held my mortgage inXX/XX/XXXX to XX/XX/XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
XXXX XXXX has been putting Negative reports on my credit. I have never been contacted or had any attempt to prove the debt is mine, or advise what the debt is for. There are 2 debts, one from XXXX and one reported this week- 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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
1-On XX/XX/XXXX I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. I dispute this charge. 

2- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_1 '' ) pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). 

3- I received no response from the concerned party within 30 days. 

4- On XX/XX/XXXX, over a year later, I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

5- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_2 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). I also asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation. 

6- I received no response from Linebarger Goggan Blair & Sampson LLP within 30 days. 

7- On XX/XX/XXXX, almost 2 years from the last letter ( and almost 3 years from the original letter ), I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

8- On XX/XX/XXXX I responded with a signed letter sent via USPS informing of a pending complaint to the CFPB and once again disputing and requesting validation of the claim ( attached document " XXXXLetter_3 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as noting all references to the account should have now been deleted at two different instances as is legally required. I also re-asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
called company and they were very rude ... ... debt is not mines ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The email between tax preparer and tax payor got hacked.

Tax Preparer got an fake email ( pretenting it is from tax payor ) giving instructions for direct deposit for tax refund money from IRS and state into bank account. Fake email contained fradulent account number.

IRS has sent money to fradulent account but with Tax Payor 's correct name.

Even though there was correct Tax Payor 's name, Wells Fargo bank did not match the name on the ACH transfer and name on the account number so just deposited the tax refund money into fradulent account. 

If Wells Fargo matched the name of the tax refund and name of the account like most other banks do, this fraud have been stopped. But Wells Fargo Bank 's LOOSE policy of not matching the name We called Wells Fargo Bank to correct this transaction, ( just returning the money to the IRS ) but no action from them yet.

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I never received a mail notice that I could dispute the debt of {$67.00}. The original creditor is XXXX XXXX XXXX. I received a phone call about the debt from SW Credit Systems L.P. and I told the agency I would like to verify the debt as I did not believe I owed the debt and I never received any notice about the debt prior to the phone call. Then I sent the agency a letter requesting verification of the debt. But I never received the verification. I checked on my credit history and they have reported it to XXXX. 

The agency is : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: NC

Complaint narrative:
I tried to get a loan through XXXX. I was informed there was a credit freeze by them but when I called the automated number they said there was NO FREEZE. 

I had to create an account THAT I HAVE TO PAY FOR with Experian to get a number where I could talk to a person to resolve. 

I never placed a freeze. This was inaccurate information by this credit bureau that has impacted my ability to obtain credit.

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 2019-04-12 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
spoke with the president of the company and she insisted that this was my name ... address and everything that belonged to me ... .I informed the lady that I was or did not apply for no credit or whatever this was she was trying to say ... .she was very argumentive and did not want to hear anything that I wanted or needed to say ... ... All she kept saying was she understand but it's nothing that she could do because all the information that I had given to her was me ... ..I told her Yes it's me that I am giving because it's my name you are asking who am I ... ... ..but I did not apply for nothing ... ... ..she is very very rude ... .All I am needing them to do is take these hard inquiries off of my credit because I did not ... Imean I did not apply for Nothing ... ... I am not understanding how someone who is saying that they did not apply for this and it can count against them ... ..

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 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc
State: MN

Complaint narrative:
A company called SB Investigations is calling me repeatedly. They are not leaving identifying information for what it is in regards to. 

XX/XX/2019 a female called saying they were an investigator and have a case relating to my Dad and that I need to call immediately. ( my dad is deceased )  XX/XX/2019 a female called my cell phone and left a message saying she has a case file and I was being investigated. She then called my place of employment and when I told her not to call my workplace but to leave the details and information on my cell phone voicemail and I said thank you and hung up, she called right back and said she was sending uniformed officials to escort me out of my workplace. 

They call every few days from several different numbers and local prefixes but all have the same message of being investigated. I know there is nothing I would be investigated for. I do have debts, and I am not sure which one this is about. I have a debt consolidation company working with me. I do not understand why it has become so threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had called XXXX IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from Bank of America. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from XXXX. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX-XXXX-XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. 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 2019-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My loan for chase jp morgan was originally XXXX with XXXX written off and XXXX due as of XX/XX/XXXX date opened XX/XX/XXXX i would like this to be removed due to countless attempts to resolve this before the repossessed it, they took my car when i was expecting with twins and had communicating that i had difficulty due to a prior job loss after opening the loan, they had rude representatives transferring me around to several departments and even reached out to their media source and considered the news channel as well after all of that stress because they sold my car for {$700.00} and now want XXXX when it was obvious based off my work history and the payment history and me trying to resolve with them based off what funds i couldv'e setup a payoff but wasn't allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with XXXX LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXXXXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX   XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: GA

Complaint narrative:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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