vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I attempted to use Experian 's online facility to obtain my credit report. I am prevented from using XXXX web site because I live in XXXX. 

i could not speak to a human about my problem and the web site asked for a XXXX  address. I HAVE NOT lived in the XXXX for the last 15 years. Nowhere did i have the opportunity to enter my XXXX address before I was told that the report would be mailed out. WHERE? To a place where I have not lived in the last 15 years? Is this only for XXXX residents? I AM a native born American with credit in the XXXX to protect! 

I wanted to use the Experian web site because my social security number would not have to travel thorough foreign mail, and avoid long mailing times to/ from Experian XXXX My credit report should NOT be sent to a XXXX address only, especially when I haven't been there in the last 15 years. There is NO provision for me to enter my correct address on the Experian web site. I think Experian doesn't care aboout my correct address - only records in the database which have XXXX states and zip codes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged {$34.00} for an overdraft in my checking account, but I had funds in my savings account and overdraft protection linked to my savings that should have covered it. I tried to explain this to the bank but they would not refund the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by XXXX, Transunion. I discovered 42 Errors on Each report. Which indicates that XXXX broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have  suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters XXXX  via Certified US Mail, inquiring about the loans reported to my TransUnion. They responded XX/XX/2019 Informing me that they have made any mistakes and that if I wanted further investigation I would have to provide more details. XX/XX/2019 I Received two letters from XXXX. One stating they were investigating the validity of my loan and sent me a copy of a promissory I wrote Transunion and XX/XX/XXXX but certified Us Mail With Retuned Receipts note with out my signature. The second letter once again said that have made no error on my report. This debt has been consolidated and should be only now reported by Dep of ed/XX/XX/XXXX XX/XX/XXXX. This account is 4 years past the 7 year mark. I have suffered great damages and injury due to their willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) enforced by the Federal Trade Commission ( FTC ) and the New York State Debt Collection Procedures Law Im filing this formal complaint against Progressive Management Systems of California. 

Progressive Management Systems ( PMS ) made no attempt to contact me via mail nor phone to collect a debt from me. Instead they reported a collection account on my credit report and since I have been a victim of several corporate data breachs I receive FREE credit monitoring. I received an alert that a collection account was reported on my credit report. 

I immediately XXXX  the company name in the credit report monitoring alert and wrote them a letter. I went to use my XXXX XXXX card and was extremely embarrassed when the Cashier told me my charge had been declined. I immediately called XXXX XXXX to learn that they had reduced my credit line. Losing {$20000.00} of available business credit has severely impacted the cash flow management of my business because of this error reported by PMS on my personal credit report. Ive had an XXXX XXXX credit card since XXXX and this is how they repay me for 20 years of customer loyalty never missing a payment. Well, when all of this is over XXXX XXXX has lost a loyal customer and I will complain about them on all my social media and close my credit cards with them. 

I am not financially responsible for paying this debt to PMS. XXXX XXXX Hospital was notified of this in XXXX by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX when they sent billing to me and gave my account to XXXX XXXX XXXX to collect the debt. The hospital had what still is my current mailing address. Instead of PMS contacting me via mail and me telling them Im not financially responsible for this debt theyve taken actions that have severe ripple effects on my business financially. Im currently applying for a loan and this account is hurting me. I have the money to pay the debt but I shouldnt be coerced into paying a debt that Im not financially responsible for just so creditors like XXXX XXXX wont reduce my credit lines, or raise my interest rates or my lender deny my current real estate mortgage loan application all because of this error on my credit report. 

Im requesting PMS to remove this false reporting on my credit report immediately so I can stop this financial hardship they have caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX, XXXX  Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equiafax, XXXX Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
alert on my credit report from bank I did not consent to reviewing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The address I vacated was XXXX XXXX XXXX XXXX XXXX   XXXX XXXX AZ XXXX. The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. We gave our forwarding address to the management of XXXX XXXX   XXXX so that they could contact us if there were any problems. The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. XXXX XXXX XXXX was non responsive to any attempts at communication. XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit. 
XXXX XXXX  XXXX reported no forwarding address to the collection agency that was used, yet they had a forwarding address and never sent correspondence to that address or used any telecommunication or legitimate communications means to discuss the debt with any responsible party. 
My suggested resolution is to have the debt pulled from all credit reports and payment will be made with certified funds to XXXX XXXX XXXX within 30 days of receipt of credit correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: U.S. BANCORP
State: TX

Complaint narrative:
U.S. Bank Deal - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX - XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX, TX XX/XX/XXXX My credit was pulled without my permission XXXX XXXX XX/XX/XXXX Duplicate inquiry XXXX XXXX XX/XX/XXXX Duplicate Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Metro Collection Service Inc.

Complaint narrative:
Good day My name is XXXX XXXX, in XXXX I opened an account with XXXX there after I failed to pay in XXXX, that accounts was handed over to XXXX ( a dept collector ) later XXXX   handed it over to XXXX collection ( another dept collector ). 

To my surprise now their records are showing that I opened an account in XXXX with is pure lies, so I need to report this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a Service XXXX XXXX XXXX  Veteran at present existing on Subsistance Funds. I discovered on XX/XX/2019, that Navy Federal Credit Union ( NFCU ) had on XX/XX/2019, removed {$1700.00} of Chapter XXXX protected/exempted Veterans Benefits monies from my checking and savings accounts. An attempt to retrieve monies I owe for debts lost due to my being defrauded. I contacted NFCU about the problem and was told to provide proof of Protected Funds. While doing so, on XX/XX/2019, NFCU captured and removed another {$2600.00}, Chapter XXXX protected/exempted subsistence check, totaling {$4400.00}. 

That was coming back to me from the college I attend under the Chapter XXXX Veterans program. I faxed 3 letters of proof of Protected/Exempted Funds. In addition to calling again and speaking with the LCR Department Customer Service person XXXX, then her Supervisor, XXXX, a third time. Where I was told the only way I could retrieve my funds was to agree to turn over my entire protected monthly subsistence check. Then she would only return a small portion of what was taken. 

Then when I requested to speak with a Manager. XXXX told me that the only person of stature I could discuss this with was herself. Even with a letter from the Attorney of my having filed Bankrupcy, and another letter from my Veterans Representative expressing my Chapter XXXX status and the school of attendance. Both provided contact information for any additional and necessary information. XXXX refused and said she was not going to refund to me any amount. 

This was on my fourth call back after being promised a return call from XXXX twice. Including my being hung up on twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Khols store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a XXXX store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For every credit reporting agency they have a XXXX XXXX listed on my account. My full legal name as it appears on my taxes and birth certificate is XXXX XXXX XXXX XXXX Also, duplicate, and even triplicate addresses are on my report and Ive attempted both in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX to have this information removed, corrected or have the source of incorrect information contact me for proof of the inaccurate or incomplete names and addresses on my reports, especially if they are reporting an account on my report as well. Both XXXX  and Equifax somehow find that my legal evidence doesnt warrant potentially fraudulent account names associated with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Land RECORD 'S manipulation. Someone removed an assignment of mortgage from my county Land file without the required court order to do so legally After finding this I also found that XXXX XXXX gave POA to NATIONSTAR MORTGAGE in the SERVICERS POSITION ONLY and NATIONSTAR MORTGAGE then ASSIGNED THE LOAN right back to none other than XXXX XXXX both of whom are under the XXXX XXXX XXXX UMBRELLA which speaks to self serving COLLISION between two entities from the same company!! 

I've filed complaints against NATIONSTAR MORTGAGE before as they are the most abusive debt collector of all the other bottom feeders This land records manipulation is a HUGE offense against the middle class homeowners in my county of XXXX NJ and must be fully investigated as it appears the county clerk herself is aiding and ABETTING this illegal activity. There are thousands of these ILLEGAL POA transfers between XXXX XXXX and NATIONSTAR MORTGAGE for the sole purpose of foreclosing on unsuspecting homeowners. They must be punished to the fullest extent of the law. My home is set for auction next week with illegally inserted assignments to new entities that I never contracted with. It's beyond abusive and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
This collection account popped up on my credit file a couple of months ago and I don't know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX HAS INDUCED ME TO APPLY TO WELLS FARGO UNDER FALSE PRETENSES The complaint is where XXXX  has made false and misleading advertising, as they failed to provide a full disclosure in their services that provides matching credit cards with their credit card partner Wells Fargo I am a subscriber and via my membership number XXXX per their notices to me, that I am eligibility for elite rewards cars. As I earned access to elite credit card matches to top-tier cards with my terms of my level of credit can access. From generous cash back to ample airline miles, its all my for the taking. 

Based on their matches I applied for one of their matches of tier partners Wells Fargo on XX/XX/2019 as my credit file has earned access to elite credit card matches to top-tier cards. My application was denied. 

XXXX failed and made false and misleading statements with not providing a full disclosure by inducing me to apply for a credit card by one of their partners for which they receive compensation. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

My credit standing is impeccable with a history of credit card payments as well with the stability and credit standing to purchase a home and being able to secure a mortgage. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

Because of XXXX XXXX and misleading statement and failure to provide a full disclosure has now has blemished my credit bureaus files as Wells Fargos credit inquiry will stay on my credit file for two years as the inquiry has lowed my credit score. 

CFPB has the duty under federal law to correct False and misleading statements and failure to provide a full disclosure by XXXX and I as a consumer are protected under federal law to seek justice to the American consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had someone scam me and take over my account and transfer over XXXX $ from my credit cards. Due to this all my credit cards have been closed because I am a XXXX  and am unable to pay this debt with the growing interest. I tried speaking multiple times with Wells Fargo and they denied my claims. In their reports they have the phone number that scammed me, they knew the person lived in XXXX XXXX, AZ and they did not return the money that was charged. Wells Fargo ruined my credit. They returned a small amount of the XXXX but with interest I can not pay and they closed all accounts to tell me there is no further research they can do to refund the money or reopen the credit card that they rightfully closed. If I was a senior citizen or had more money in my account they would have returned the money to me but since I was a XXXX I was unable to get the money that was taken in cash advances off my credit cards. I tried my hardest to resolve the situation but this is my last resort. I really need help this is unfair to ruin my credit when it was a hacker who used XXXX to send cash advances overseas and wire advances to names that are hard to pronounce. The hackers told me they would take a cash advance to give to their sons and then would send me a fake check to deposit that would help me also pay for my career and a new car. At the time I needed one and was attempting to start an XXXX XXXX and believed this person to be a sponsor.

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