vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The loan was paid off in XX/XX/2011, but Wells fargo illegally applied the loan in payments instead of as a payoff. I have proven this to the credit agencies and had it removed. I have also sent in XXXX  paperwork to try to get them to leave me alone, but they continue to call on my non-profit phone number. They will not leave me alone, and they allowed my father, a man that is 26 years older than I am to access my account information in XX/XX/2011 to give him the payoff amount. 
So, they illegally allowed my father to access the account for the payoff, then he paid it off because my grandmother was a co-signer ( she gave him the money ), when I was already on XXXX  and had applied for XXXX  discharge, took the payoff, applied it in payments instead of as a payoff so they could accrue interest, and are now harassing me incessantly over illegal accrual of interest. Someone has to stop this crooked company. I am only one person, and they refuse to correct their errors. There is no way for anyone to fight 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 non-monetary relief
Consumer complaint received 2020-01-21 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:
THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Fraudulent charges on my account. Barclaycard refuses to remove them even though I sent a ton of evidence proving that their investigation into the matter was a joke and wholly insufficient. 

My account has been stolen 4x while barclaycard has had the XXXX account and 4x when XXXX held the account. It is clearly their employees either taking the numbers themselves or selling them to someone because this has never happened with any of my other credit cards. 

You can see all the points made ; they claim it was delivered to my residence and signed for. This is incorrect. I have proof one of the packages was picked up at a XXXX location and the other was returned to XXXX per my regular XXXX driver XXXX XXXX. He was told to do this since someone approached him asking if they could take the package for her when he was at a totally different location than my residence. His supervisor told him to bring the package back. 

Additionally, the account created was obviously illegitimate as the phone # provided was XXXX and they had a 2nd fake address on the account! 

The documentation they sent says it was delivered to a single unit. My residence is not a single unit. Then the documentation they sent shows there is yet another secondary address for the account holder in Georgia. I never lived in Georgia. 

Last but not least the signatures are not my signatures. According to the Fair Credit Billing Act if a consumers credit card number is stolen but not the physical card itself then they are not liable for unauthorized use. 

I am filing this complaint because never in my 30+ years of using credit cards have I, as a consumer, been so mistreated and blatantly disregarded. My record agin, speaks for itself. They on the other hand should not be allowed to be a creditor.

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The collection agency NATIONAL CREDIT SYSTEMS placed a debt that is not mine without my knowledge on my credit report back in XX/XX/2019. I requested proof of this debt to be verified from this collection agency and all 3 credit bureau agencies but no compliance which has decreased my fico score and prevents me from getting a new apartment. They have not followed the law after making 3 attempts to contact. I provided proof that I owe no money. Original creditor is XXXX XXXX XXXX AT XXXX XXXX who I also contacted but they would not resolve. I applied for an apartment with them but was declined and their paperwork stated I would be refunded {$150.00} deposits but I wasn't. Two months latest collection company NATIONAL CREDIT SYSTEMS sends me a notice saying I owe {$270.00} to XXXX XXXX XXXX when the amount to apply which I paid was {$200.00}. So they are trying to commit fraud by not only not refunding my money, but also trying to get more money then destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.

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 2020-01-21 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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 2020-01-21 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX balance

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 2020-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX  balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called XXXX XXXX XXXX nor gave anyone else the permission or the authorization to use my information. I have contacted Equifax to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. Equifax never conducted a proper investigation. I have requested their method of verification from Equifax and from XXXX XXXX XXXX  but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with XXXX XXXX XXXX is a result of mail fraud, please help me resolve this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
I have a creditor XXXX XXXX XXXX, I paid this credit card off and the creditor said they would remove and delete this account off my credit report but never did. Also the they have put the same account on my credit report twice because the first credit card I had was lost and they issued me a new card with a different credit card number.This is very wrong what they have done to 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 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
At approximately XXXX XXXX PCT on XX/XX/2020 I received the following voice message : " Hello this message is intended for ( myself ). ( myself ) this is in regards to ( consumer ). ( Myself ) if you'll please relay this message to ( consumer ) my name is Mr.XXXX and I need ( consumer ) to contact me here today so we can discuss the situation and options in reference to XXXX XXXX XXXX here with XXXX XXXX. If I don't hear back from ( consumer ) today I'll have to assume he has no intentions of voluntarily resolving this is matter. I'll be in my office today until XXXX CST and I need ( consumer ) to contact me at XXXX extension XXXX. '' When returning the voice message to the referenced number, I spoke with a man name XXXX. He would not confirm nor deny this is a debt collection which clearly in the voicemail this implies some type of legality. I then asked to be transferred to Mr. XXXX. I addressed that the voicemail was inappropriate and the call was in violation of 1692b. Mr.XXXX then became irritate and I asked to speak to a supervisor on 3-4 separate occasions with him repeatably asking if I wished to be taken off the contact list for ( consumer ). When speaking to the XXXX ( employee number XXXX ) the supervisor I relayed my concern and she urged me to be taken off the contact list and I said no, I do not wish to be taken off. She proceeded to tell me since I " threatened '' illegal action on the businesses part she was taking me off as the contact. I asked to file a complaint. XXXX proceeded to tell me she was filing the complaint and was getting ready to terminate the call when I insisted I wanted a reference number for the following complaint. XXXX proceeded to ask why I wanted to file a complaint and I said in reference to the FDCPA 1692 and relaying unneeded information to a third party voicemail. I then stated this would go to his supervisor and I would not receive communication on the matter. I asked XXXX if she was indeed his supervisor, which I requested to be transferred too, she confirmed she was an account supervisor but not Mr.XXXX supervisor. I asked for her name and the representatives name I previously spoke with and she relayed XXXX. I asked if I could receive information on this and she denied the request. I was repeatedly asked the same questions over and over. Do I know the consumer, can I relay the message to the consumer, am I the consumers wife. I did not confirm my relationship with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2020, I deposited a cashiers check for {$1100.00} through a Huntington ATM into my checking account. On XX/XX/2020, those funds were posted into my checking account. That money was then sent through XXXX, provided by Huntington, to another person. On XX/XX/2020, the funds were reclaimed by Huntington along with a {$10.00} fee for a returned deposit item. I immediately called Huntington upon learning of the return. I filed a case with Huntington and XXXX. I have also filed a police complaint with the XXXX ( Ohio ) Police department and the FTC. Though I have no idea if that was the correct federal authority. The cashiers check was sent to me through XXXX for the purchase of an aquarium that I had posted on XXXX. Apparently the cashiers check was fraudulent. However, I had no way of knowing that until the bank informed me. I had done the due diligence that I could do in assuring that I was not depositing a bad check It was a cashiers check. My understanding was that a cashiers check was as good as cash. I had 2 phone numbers with which to contact this person. I had an email address. I also had a tracking number through XXXX. Understanding that everyone tries to be cautious with personal information when dealing with XXXX, I believed that I was protected. My options for further investigation are limited, obviously, as the typical citizen is not an expert in fraud, nor do I have access to another persons bank account. Huntington should not have cleared the check until they were aware of whether it was a valid check or not. If I had deposited a check from a neighbor that had insufficient funds, the bank would not have given me access to that money. Huntington informed me that it was my decade of being a good customer to them that encouraged them to release the funds prior to inspecting the check. The first Huntington employee stated that there should have been a hold placed on the check. When I inquired as to whether the bank would have been able to tell me if I had entered the bank, I was told no. Clearly, I have been a victim of fraud from the person that sent the check, but if I cant count on the bank to inform me properly, what protection do I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
My current problem is that Specialized Loan Servicing, LLC, the company servicing my mortgage, can not account for {$1200.00} of funds that I paid to them in XXXX of XXXX. They collected {$3200.00} in total for the escrow account on my loan in the year XXXX. On XX/XX/XXXX the escrow account paid {$1900.00} in taxes for the year XXXX. There are no other disbursements that they can account for as of XX/XX/XXXX. My current escrow balance is {$38.00}. I paid my homeowners insurance out of pocket until XX/XX/XXXX when I informed my carrier, XXXX XXXX, that my insurance would be paid by escrow moving forward. On XX/XX/XXXX my policy lapsed and I am having to pay out of pocket again because SLS ( mortgage company ) did not pay the premium from the escrow account. I have talked to two supervisors at SLS, both of whom can not explain or account for the missing {$1200.00} in funds that should have gone to pay my homeowners insurance. XX/XX/XXXX Supervisor XXXX, teller id # XXXX, told me she could not account for the funds and that an escrow analysis won't be completed until XX/XX/XXXX, one year from when they received the loan. She said she would look into the situation and discuss with her peer, Supervisor XXXX, teller id # XXXX and call me back. She has not called me back as of XX/XX/XXXX. I spoke with Supervisor XXXX on XX/XX/XXXX, he too said he would look into the situation and call me back the next day whether he had an answer or not, simply to keep lines of communication open. I have not heard from XXXX, either. I will attach files that are screenshots of the account information I have available to me. It shows the escrow balance of {$38.00}, shows that they have my insurance information and have not paid the provider, it'll show that I have no escrow analysis to access and no accounting of the funds I have paid into SLS. 
My mortgage payment increased 50 % in XXXX from $ XXXX   monthly to $ XXXX monthly. XXXX  XXXX XXXX opened the escrow account without providing proper 60 and 30 day notices, according to XXXX XXXX of XXXX  XXXX XXXX, his business callback number is XXXX. In XXXX XXXX XXXX XXXX sold my loan to SLS because my account was delinquent from me paying only $ XXXX monthly and trying to get my questions answered from XXXX  XXXX XXXX. 
XX/XX/XXXX I spoke with XXXX  XXXX XXXX manager XXXX XXXX, phone XXXX. He said a VP was supposed to call me back in 24-48 hours to answer my questions. I never received a call from XXXX  XXXX XXXX and XXXX never returned the multiple voicemails I left after this date. 
XX/XX/XXXX I spoke with XXXX XXXX and didn't hear from him again either. 
XX/XX/XXXX I paid SLS a total of {$3400.00} to make my account with them current and no longer delinquent.

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 2020-01-21 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: GA

Complaint narrative:
Inquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation