vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 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: IL

Complaint narrative:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Reason too much fee each checking also too high fee {$36.00} dollar per checking. Reason I am on XXXX. not big money.

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 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
Profit Services Group reported a false debt to the credit reporting agencies in an attempt to collect a false debt in the amount of {$1900.00}. This false actions is continuously reporting on my reports as negative and making my life horrible. I have made several attempts to contact the reporting agencies to remove the debt. Every letter was demanding for validation within 30 days or the debt must be removed. After receiving no response, I mailed a certified letter to the collection agency directly and still received no response. These actions have been over the course of 3 months, which gave them ample enough time to valid or remove the debt. I have never received a letter or anything from them regarding this assumed debt.

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 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
NOTICE OF COMMERCIAL LIEN INTENT!! PRTFOLIO RECOVERY ASSOCIATES LLC HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
I sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
I sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

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 2017-06-27 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: TX

Complaint narrative:
I sent letters to   XXXX   to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

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 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
NOTICE OF COMMERCIAL LIEN INTENT!XXXX XXXX XXXX XXXX XXXX HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,

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 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ZENCO COLLECTION, LLC
State: PA

Complaint narrative:
I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.

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 2017-06-27 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: TX

Complaint narrative:
SinceXX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full inXX/XX/XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes betweenXX/XX/XXXXto XX/XX/XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced inXX/XX/XXXX is a clear violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.

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 2017-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northstar Location Services, LLC
State: MI

Complaint narrative:
On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from Northstar Location Services. She stated she was calling on behalf of XXXX and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by XXXX. However, I also found out that XXXX is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called Northstar back to provide this information, I was then informed they are a debt collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
Since XXXX XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXXXXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the three Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
Since XXXX XXXX, I have sent numerous certified letters to all XXXX major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXXXXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major XXXX credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the XXXX Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Since XXXX 2010, PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX. I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA and Federal Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION
State: NC

Complaint narrative:
HI MY NAME XXXX XXXX XXXX XXXX IM BANKING WITH BB & T BANK FOR OVER 2 YRS I DEPOSIT CHECK TO MY ACCOUNT MY EMPLOYER CHECK I DEPOSIT THIS CHECK TO MY ACCOUNT REGULAR BASES NEVER RETURNED ACCIDENT HAPPENED ON XX/XX/XXXX WHEN I DEPOSIT CHECK EVENING THE NEXT DAY THEY PUT HOLD ON THE CHECK UNTILXX/XX/XXXX I WENT TO THE BANK ASK FOR HELP TO RELEASE THE FUND THE BANKER ANSWER WAS YOU HAVE TO HAVE SIMILAR AMOUNT OF THE MONEY SHE SAID SORRY WE CANT HELP YOU AND ON THE XX/XX/XXXXTHE FUND WAS NOT AVAILABLE I CONTACT THE BANK AGAIN THEY SAID NOTHING WAS PROCESSED FRIDAY AGAIN SORRY WE CANT HELP YOU AND TODAY XX/XX/XXXX THE BANK CHARGE ME WITH XXXX DOLLAR OVERDRAFT FEE CONTACT THE BANK ASKING WHY YOU CHARGING ME OVERDRAFT FEE THE ANSWER IS YOU FUND WAS NOT AVAILABLE ON THEXX/XX/XXXXI 'M SEEKING JUSTICE FROM YOU TO HELP TO GET MY {$72.00} FROM BB  & T

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: MD

Complaint narrative:
I have contacted Equifax once a month sinceXX/XX/XXXX after my credit report is updated, using their consumer complaint as well as through XXXX XXXX requesting that a paid closed account be removed from my credit report with no response and no resolution. I was told by the company in which I had the debt back in XXXX to allow at least 60 days for it to be removed. It indeed reflected paid/closed and then ultimately removed from my report by the other bureaus. My credit report shows no activity and no new reports from the Company XXXX XXXX XXXX XXXX XXXX XXXX for this account sinceXX/XX/XXXX when it was reported as paid in full. This item is listed as derogatory, is keeping my credit score under 600 and preventing me from building and getting new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 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