vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I have a XXXX, someone got a hold of my information and took all my money. This is a card that my child support is put on. In the month of XX/XX/XXXX they took XXXX. I noticed it and called right away. I have the hardest time getting a hold of someone. They closed my complaint without calling me, because they said they never received my letter back that they sent me. I sent them the letter they sent me back and another one, a police report and then faxed two letters. They than sent me a letter that they denied my complaint. I was finally able to go online and create an account, once I did this I was able to see that they stole money in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have my other bank account statements that show I used my other card in a different state on the same dates that this card was being used on. I have doctors apt and other things that I was doing in the state of California on the dates that this card was being used in the state on Nevada. I have called " XXXX XXXX XXXX '' a lot! He has NOT called me back or sent me any documents in regards to my complaint being denied. A total of XXXX has been stolen from me. I am a single Mother and this is my child support. XXXX, like I have said does NOT call me back or help me in anyway. I have been left on hold for over two hours at a time. My Father is a XXXX and I have asked him to step in and help me get my money back. I am looking to y'all to give me some kind of direction. Where do I send the certified letter? Who does my attorney need to be in contact with? There has to be some kind of insurance or something related to this card. I can simply it was not me using the card in the state of Nevada, and now I need my money back. Please Help ME!! On the, " California Debit Card '' Transaction History statement they sent me, there is a number on the bottom of the page for customer service, XXXX. When you call this number you get a man that tells you that you have won a, XXXX dollar gift card to XXXX. I have called this number a million times and each time I win the XXXX dollars. How can they have that much money to give away XXXX dollars each time? I asked to speak to a manager and they hang up. This is a fraud! All of the transactions that were made on my card where at a, XXXX in Nevada. I feel this card is a FRAUD and there is someone that works for it that has my information that stole it. I have filed a police report as well. I look forward to hearing from someone and someone that can Help Me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: GA

Complaint narrative:
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX  XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : I have never paid late

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 2017-06-29 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: HI

Complaint narrative:
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified information

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 2017-06-29 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: SC

Complaint narrative:
I have sent Equifax 2 certified letters to remove inquiries that I didnt authorize, one letter a month, we are now at month three and nothing has been done to resolve thisEquifax refuses to remove or even dispute these findings, they are breaking the law and I had enough of the credit companies always strong arming the consumerdo what they please instead of what the law reads ... now these inquiries are listed here ... .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, ..XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: CA

Complaint narrative:
I demand to verify or remove them immediately :  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it My address is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  CA  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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX : I have never paid late this account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX ACCOUNT NUMBER XXXX : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: SC

Complaint narrative:
I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. <P/>When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 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: GA

Complaint narrative:
XX/XX/XXXX    I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation.   XXXX    XX/XX/XXXX  I  sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have  attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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:
On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have reached out to XXXX XXXX several times to understand the calculation that created my monthly payment. I have completed several calculations myself to understand where my monthly payment comes from, as well as checked my math with professionals. No one is able to determine the same monthly payment that XXXX provided me for my XXXX loan. XXXX XXXX will only provide loan document information and an amortization plan to me, without explaining how my monthly payment came to be. I feel as though my loan is being charged incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My account had " pending '' transactions. I made a deposit to cover. Credits are supposed to post before debits. This has happened before and PNC bank has always refunded the fee. This time I call and spoke with XXXX her team lead is XXXX XXXX and their manager is XXXX XXXX. No one above XXXX were available to speak. I took photos of my account to show the pending status of the credit and debits. I was charged XXXX. <P/>Another problem is that I am a XXXX XXXX As such, it is known for corporate governance purposes Public Companies are required to have a line of communication to the executive office to make complaints. Well PNC cancelled this telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I do not have a contract nor any contract with CMRE Financial Services. I have never done business with this company. I am not liable for comllect from this debt from XXXX XXXX XXXX. I am not responsible for this debt from CMRE Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.

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