vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: AR

Complaint narrative:
On XX/XX/2018 Experian received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for Experian to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX  # XXXX, 3.XXXX XXXX XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX XXXX 5. XXXX ( XXXX XXXX XXXX. Experian has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Experian received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Experian has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.

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 2018-09-11 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: AR

Complaint narrative:
On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had been looking for a new laptop because of school, and since I didnt have enough to buy a new laptop I went online to look for a used one. In the ending of XXXX I came across a XXXX XXXX. This seller told me that they got two from a scholarship and that they could sell me one, so I asked if I could negotiate the price. Eventually, I got the price to {$300.00}. This may not seem like a lot but for me it is! He/She told me too use XXXX. I thought okay this is backed up by my bank, so Ill be safe even if something happens. I made the transaction and then the scammer says that they are on their way to ship my laptop out. Ive been waiting weeks and I have NOTHING! The scammer blocked my number and I found out that it was a fake number too! So my question is, if this is so safe then why is it so easy to make an account? There should be protection just Incase anything goes wrong. I understand this couldve been avoided if I wasnt being so cheap, but what can I do now? I have no money, I tried calling my bank they left me on hold for hours. I was told to make a police report, seriously so Wells Fargo cant help with anything??? I am very upset because I thought Wells Fargo would have my back with something like this but I guess not.

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 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CB1, Inc.
State: MT

Complaint narrative:
After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I have 7 collection amounts listed by XXXX XXXX  XXXX XXXX. They never contacted me, I received no voice messages or letters. I learned about them from a credit report retrieval. I've been paying XXXX $ a month to them to get this resolved, yet I still haven't ever gotten an account statement. When I try specifically to pay on one of the 7 collection amounts on my credit report they tell me that it's listed as a lump sum in one account. If this is so, why are their 7 different collections listed and if I do have 7 different collections why can't I pay one each one individually?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: CA

Complaint narrative:
Since XX/XX/2018, I have received 121 calls from Clinet services Inc. The company has called me from two different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have no outstanding debt and there is no reason for this company to call me repeatedly. I have received as many as sixteen phone calls from this company in one day. I believe this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: AZ

Complaint narrative:
XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! 

XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX  XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. 

Please investigate XXXX XXXX and A.R.M Solutions!!!! 

Thank you, 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 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
So on XX/XX/2018 I made a transaction over PayPal with XXXX XXXX for XXXX or {$120.00}. I have my transaction ID for it in hand. 

It was for a digital service however a few weeks past after that and I have heard nothing from him. I have repeatedly tried to get my money back but with no successful attempts. If I could get help in this matter I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Made payment on my credit card. Barclays Bank web site shows payment posted today, XX/XX/2018. Tried to use my card. Denied twice. Viewing the Barclays Card Hawaiian Airlines Mastercard website the summary of my account (  screenshot enclosed below ) shows Credit Line {$500.00}, Current Balance {$120.00}, Available Credit {$0.00}. The amounts Credit Line less Current Balance NEVER equal Available Credit. There is NO explanation on the website why the math is inaccurate. Called customer service at XXXX XXXX HST and spoke with Barclays Card Hawaiian Airlines Mastercard Representative XXXX. XXXX told me that even when funds are received by Barclays Bank they may take up to two business days for funds to be avaiable as Available Credit in the account. Multiplied across the millions of Barclay 's Bank Hawaiian Airlines Mastercard clients this 'holding ' or 'float ' represents  millions of dollars of customer 's money received by Barclays Bank XXXX and held by Barclays Bank XXXX If this practice is not ILLEGAL it should be. In our current day of electronic transfer there is no excuse to hold customers money. Highly unethical and fraudulent. Do investigate this practice which has been going on for 3 years with my account ( and very likely all Barclay Bank accounts ).

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a credit card at a local veterinary hospital. I was denied. I received a letter from the inquiring bank telling me why I was turned down. 
Reasons given by bank from information from Trans Union : - Serious delq and public record or collection filed - Too few accounts rated current - % of balances to high credit on revolving accts - Number of accounts delinquent - Credit score : XXXX From XXXX XXXX : - Credit card use High - Payment History Stellar - Derogatory Remarks XXXX Bankruptcy - Credit age I am a veteran - Total Accounts Solid number of accounts - Credit score : XXXX There is a discrepancy between the two reports and I would like to know why. 

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 explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES
State: GA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/18, XX/XX/18, and XX/XX/18 I submitted verification to the credit bureaus of the accuracy of the charge off account placed on my credit file by US BANK. 
Not until XX/XX/18 via CFCB did I receive a response from US BANK. 

It is my understanding that the bureaus were supposed to receive a response ( as well as I ) within 30 days to prove the accuracy and verification of this account. This was not done within this timeframe. This is a violation and the account should have been removed.

In their response via the CFCB portal they also insinuated that they had incorrect addresses for me in order to verify me of the alleged debt from 2 separate collection offices. 

I would like to know when those collection offices were attempting to contact me since my phone number and address were the same for quite some time.

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 2018-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
The collections account does not belong to me, however, the company refuses to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TN

Complaint narrative:
I have 1 item pending on my account that would have overdrafts my account. I fully expected this. 
But SunTrust charged 4 overdraft fees for items that processed overnight. None of the 4 items actually caused an overdraft. The only thing that would have caused it is the pending item. 

How can you charge for items that are not overdrafts costing XXXX each or XXXX total? 

As I'm sure most understand a pending transaction isn't a final transaction. The price could and will change, or completely go away. Or even a deposit could be made before the item even finalizes. 

I have screenshots proving the 4 transactions did not cause overdrafts like the fees that were charged. 

Fraudulent and misleading use of the overdraft system..

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 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent a certified letter to the XXXX collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.

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 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: TX

Complaint narrative:
Company called XXXX XXXX has ruined my credit for past 4months ... I have disputed it Numerous times ... .that I have no knowledge of this debt ... please help me delete and update my credit file.. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 

2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. 

Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.

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