vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and found an account that does not belong to me. 
XXXX XXXX XXXX is reporting a {$85.00} medical collection that states was open XX/XX/2017. I have no idea what this account is and have never entered into any agreement or contract with XXXX nor the unlisted original creditor. I contacted the company and they have failed to proved me any validation or signed contracts.

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 2018-05-06 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 XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX  Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.

XXXX XXXX XXXX Sales agents in XXXX  : XXXX XXXX was highly aggressive XXXX XXXX  We purchased XXXX XXXX  points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.

{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX  name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX   credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.

I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.

We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.

We owe XX/XX/XXXX maintenance fee to XXXX  {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.

This is Elder abuse and Elder fraud.

There was no time to read anything.

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 2018-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have a private loan hat was taken out orginally with XXXX XXXX XXXX  for XXXX in XX/XX/XXXX approximately. I paid $ it down to XXXX   And then the loan was sent to XXXX. I received startments saying no Chang in in interest rate of 5.85 and no money due on loan for several years. Now my worst nightmare Navient has the loan as of XX/XX/XXXX. They promptly raised the interest rate to 6.85 % and increased the loan {$4400.00} by anding interest. This is my son 's loan he has an excellent credit rating, so why they did that I do not know? I just want to pay off the balance of {$3500.00}, an never hear the name Navient again. I am a cosigner on the loan so that is why they came after me. If I would of known that they would do this of course the loan would have been paid promptly with XXXX  in XX/XX/XXXX. The payment for this loan is XXXX/mth that is crazy who does this? That is so fraudulent, this amount only pays interest on this loan who does that? Navient that's who!! I want to be done, I will pay XXXX directly or with a settlement letter of {$3500.00} to Navient nothing more. I am XXXXyrs old my husband is XXXXyr we are being taken avantage by this company.

Please help us to settle this fairly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company claims its reporting too the 3 credit bureaus, and bureaus no such reports has been made to them. In fact XX/XX/XXXX & XX/XX/XXXX there were no reports submitted at all.and the balance of the credit remains the in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Was initially contacted on XX/XX/2018 by XXXX XXXX at Sequoia financial services, XXXX, extension XXXX. Said I owed a medical debt to XXXX XXXX, but still to this day, after requesting on XX/XX/XXXX, have not received any written notification of the specifics of this debt. In my conversation with XXXX XXXX, I stated that XXXX XXXX had still not reimbursed me for money due back for a payment I made to them over A year ago that was not due. XXXX XXXX   repeatedly told me they would reimburse this, but never did. I have been waiting and trying to contact them repeatedly, for them to refund this. I told XXXX XXXX I would be researching this as the amount that he stated was due was in dispute due to the fact that XXXX XXXX still had never refunded my money. He continues to call, but I have still not received anything in writing from this company. He continues to call, but I have still not received anything in writing from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I recently found 2 different prepaid Visa debit cards that were gifted to me on different occasions. One was for {$25.00} ( valid through XX/XX/XXXX ), the other for {$50.00} ( valid through XX/XX/XXXX ). They were both more than 2 years old but had been hidden in a box where I recently discovered them. While the fine print on the back of the packages state the amounts will start getting deducted after inactivity, I don't think that companies should be able to do this since they are paid for and treated as cash. When I checked the balances online, both indeed had {$0.00} 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 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In early XX/XX/XXXX I contacted XXXX XXXX, Wells Fargo Mortgage Representative to apply for a refinance cash out mortgage on a secondary property I owned with my best friend. I was buying out my best friend 's 50 % ownership of the property to become sole owner of the residence in XXXX, Delaware. The early activities relating to the refinance went well. The problems began at the time of settlement. The closing transaction that occurred on the original date had to be rescinded, because Wells Fargo failed to prepare completely and accurately the closing documents. When the transaction was rescinded, and no new deed provided, Wells Fargo tried to blame XXXX XXXX, Notary of the rescinded transaction and as a result his employer didn't want to pay him for his service. I had to write a letter on XXXX  's behalf to ensure he was paid. A second settlement was scheduled on XX/XX/XXXX at XXXX. Again, the mortgage documents were not prepared correctly. It took 3 additional edits of the closing documents in which XXXX XXXX, Delaware attorney had to hold Wells Fargo 's hand and guide them through the corrections before we could proceed with closing. A XXXX  closing now became a XXXX closing. I'm not sure if the fiasco with this refinance mortgage was caused by lack of oversight of the entire process by Wells Fargo, imcompetence, XXXX, or all of the above, but this transaction caused me and by best friend a lot of stress and anxiety that was unwarranted and unacceptable. It's a fiasco such as this and the treatment we received how we understand why this financial institution was fined XXXX XXXX dollars for unethical business practices. This botched transaction also caused a significant delay with the wire transfer and my ability to pay my best friend the 50 % investment as a result of the buy out.

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 2018-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have just noticed that Synchrony credit card company who manages my XXXX Store card has been charging me a " Card Security '' charge without my consent. I will be calling them and requesting the 4 years of service I've had with the card and determine how much I've actually been charged and will be requesting a full refund. If they do not pay out the full refund I will  lawyer up and get a class action lawsuit started and would like your assistance in getting notifications out.

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 2018-05-06 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 — Investigation took more than 30 days
Company: GREAT LAKES
State: WA

Complaint narrative:
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 700 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points. 
It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake. 
They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake. 
I hope you can help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a new employer and I want my employer and employment information added to my Equifax, XXXX and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX, Annual Salary : {$350000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called my automated bank phone number to check my account, and I noticed fraudulent charges from the 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 2018-05-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
This is my second complaint against MDS. The most important of my complaints is that this company failed to provide a signed HIPAA Business Associate agreement between the original creditor and their authorized rep which means that they are clearly in violation of the HIPAA Privacy and Security Rules. I requested this document in my previous complaint through CFPB as well as in my second letter sent directly to MDS. Secondly they placed this unverified debt on my credit reports without making any efforts to contact me. I was only made aware of the debt when I took the liberty to check my reports. This companys collection and communication practices are evasive and deceptive and I would like for this company to please remove this negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a new employer and I want my employer and employment information added to my XXXX, Experian and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX Annual Salary : {$350000.00}

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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX  where they claimed I owed them {$180.00}.

OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA.

On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue.

On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ).

To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened.

I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES.

Thank you for your prompt attention to this matter.

Very Truly Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
To whom it may concerm, my accounts was late due to the fact of my husband died back in XX/XX/XXXX so I fell behind on all my bills, try to keep up and then I lost my job so thing get every harder. XXXX XXXX   amount XXXX, open inXX/XX/XXXX, 0pen XX/XX/XXXX.also XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX  account , for XXXX, XXXX XXXX open on XX/XX/XXXX,XXXX, would like to have this remove do not owe, and XXXXXXXX XXXX XXXX do not now what they are a lot of open small amounts, XXXX XXXX open in XX/XX/XXXX, amount of XXXX not sure if the is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Greetings, To whom it may concern.

I have been a victim of the Transunion inquiry issue. I contacted Transunion customer service department, spoke to a representative and explained what happened. Unfortunately, the representative did not agree to remove those inquiries from my credit report.

Please find below the inquiries I requested to be removed.

1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SD XXXX  ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX   ) XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX Please proceed with this request and update my credit report accordingly.

Thank you in advance.

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 2018-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I took my car for service to mechanic to repair the heating system, since I was not getting heat in my car, so the car repair guy asked me {$660.00} for repair. 

He took my car and I do not know what he did, but later he gave me car back saying that everything is take care, heating is repair, so I gave him my debit car for charge keeping in mind that if he did not actually repair my car, I can claim the money back from him, or if he denies, I can claim it with bank, Since bank say that they will offer a dispute resolution for the service not received and will give me my money back by taking it from merchant in case if he actually did not repair my car. And finally the car was actually not repaired and the heating system is the same since the same day he gave my car back to me claimed to be repaired. I asked them refund, they said no, I contacted my back, waited for a whole month sending them documents what they need, and finally the back declined the claim saying that I need to contact the merchant, when in fact if it was the case, why the bank make me struggle for a whole month and asking documents and wasted my time. Due to heat problem, I had a XXXX problem in my XXXX due to driving in cold, I spent a good money for no or zero service. 

Bank Name : Chase Bank Claim Number : XXXX Ban Call Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) My Account Ending in : XXXX Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX Disputed Amount : {$660.00} Thanks!

Company response to consumer: Closed with explanation