vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-05-16 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, 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 2019-05-16 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
We fell behind on our car payments and explained to lienholder, Santander, rather than just getting current on the payments, we would pay off the loan in total on XX/XX/2014. And we did. 

Las year we discovered Santander reported to XXXX our account had a remaining balance of {$4400.00} that was " charged off as bad debt ''. Our account with Santander was NOT written off ; it was PAID off, in full. Santander did not have to write off any bad debt on our account we paid every penny owed. 

We have contacted Santander but it refuses to correct the misinformation reported, making it appear as though they had to write off over {$4400.00} as " bad debt '', hurting out credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX MORTGAGE ''. Supporting documentation is attached.

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX   XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Kia Motors Finance says that I owe them a debt, but I also have a letter from KMF stating that the debt has been paid in full. Now, because I won't pay the alleged debt, am making KMF honor the document, have exercised my consumer rights, and am in the process of initiating a civil lawsuit, KMF has retaliated by threatening to merge my current new car retail lease with the totaled vehicle retail lease that they allege a debt is owed. KMF has threatened to unlawfully accelerate my car payments and illegally repossess my car if I do not pay a debt they said was paid in full. This proves KMF is intentionally violating my consumer rights and is using deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have no idea who CONVERGENT OUTSOURCING INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CONVERGENT OUTSOURCING INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CONVERGENT OUTSOURCING, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CONVERGENT OUTSOURCING, INC } was authorized as a  mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CONVERGENT  OUTSOURCING, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX 2010 eventually paying off Santander Lease Agreement with the hopes to transfer title to a new dealership and vehicle. 
Implications of a co-signer ; not needed. 
Smaller payments should be offered to me. 
Payments made on this account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2019, I received a money transfer ( USD XXXX ) via XXXX from a buyer ( Ref # XXXX ) to my Wellsfargo checking A/C due to a purchase transaction ( I was the seller ) XX/XX/2019, I checked my Wellsfargo online checking A/C and found there's an unauthorized money withdrawal of USD XXXX from my checking A/C by Wellsfargo. I did not receive any prior notification from Wellsfargo about why they withdrew money from my A/C XX/XX/2019XXXX I made a phone call to Wellsfargo customer service hotline XXXX and then the representative transferred my call to the Fraud department. A Fraud department representative picked up my call and I told her what happened and she said she is after-hour representative and she jot down what I told her and asked me to call back the next day. I asked why Wellsfargo withdraw money from thy bank account without my authorization or any prior notification. I also told her I want to file fraud report and complaint. I should have been protected by Fraud protection plan of Wellsfargo. She gave me a case number XXXX. 

XX/XX/XXXXmorning I made a phone call to Wellsfargo customer service hotline XXXX and was transferred to the Fraud department again and a representative names XXXX ( female ) picked up my call. I gave her my case number and asked for any updates regarding my fraud report. She told me there is nothing Wellsfargo can do and I am not protected by Fraud protection plan and my fraud report case was closed I asked her how come Wellsfargo did not ask for any information from me for fraud investigation and closed my case in less than 1 day without any investigation. She told me Wellsfargo withdrew money from my bank account because Wellfargo received correspondence from XXXX XXXX XXXX Bank that the electronic transfer of XXXX into my Wellsfargo bank account was claimed to be fraudulent. 

I told her this is not true because this person purchased an item from me and that's why he paid by transferring USD XXXX into my bank account as a payment after I gave this person the item. 

XXXX from Wellsfargo Fraud department did not provide any support to me and just told me that there's nothing Wellsfargo can do and case is closed.

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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: SC

Complaint narrative:
I did not know I owed the debt I have insurance and met my deductible and out of pocket. I never received a bill from the original creditor or from the debt collector never received a bill or notice from the debt collector and they started reporting it on my credit as of XX/XX/2019 in which dropped myscore 56 points!!! How can they report without notifying me first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I placed an online order with Neiman Marcus ( NM ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called Neiman Marcus in regards to returning the shoes in return NM provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that NM cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts NM claim I owe. NM company  provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called NM and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item NM is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that Neiman Marcus negative item be removed to correct the information ; XXXX   Balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
This at & t account is very very old. Tried to apply for TV and phones. Was denied. I didnt even know about this collection.

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 2019-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is my third attempt to resolve this issue. In the two previous attempts, the criminal company involved ( Wells Fargo ), who gets to investigate its own wrongdoing, gets bogged down in the details and ignores the heart of my complaint, probably because it doesn't want to admit my complaint points to a corporate culture of intimidating and bullying its customers. This corporate culture isn't just my opinion, a federal judge specifically called Wells Fargo 's behavior " highly reprehensible '' in her decision. So, Wells Fargo conveniently ignores the actual complaint and instead defends its corporate policy, which conflicts directly with federal law. 
The issue : A banker ( XXXX ) at the branch in XXXX, Virginia slandered me by calling me a criminal. In order to be a criminal, one must actually violate a law. I violated no law. I even checked with the Federal Reserve and confirmed my actions were in NO WAY a violation of any federal law. When I elevated the issue to the individual 's manager, he again called me a criminal and my actions a crime in front of his manager. In a subsequent meeting with just the manager, the manager denied the banker called me a criminal, but after me reminding him of the exact prior conversation the manager sheepishly conceded I was indeed falsely labeled a criminal. Despite this acknowledgment however, he refused to issue an apology for the slander. 
This behavior is a prime example of intimidating and bullying customers which Wells Fargo has a history of doing. I did nothing wrong or illegal ( per representatives at the Federal Reserve and law experts ), but Wells Fargo didn't like what I did, so its representatives tried to intimidate me by characterizing me as a criminal. The bluff failed when I offered to drive to the local police station with the banker and the manager to " turn myself in '' and allow them to collect some sort of " keep our streets safe award '', but they both claimed to be 'too busy to do that '. 
In short : I committed no crime and therefore am no criminal. Wells Fargo on the other hand has a huge corporate rap sheet and knows all about committing federal crimes.

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
MAS Financial stated over XXXX was charged off and our balance was a little over XXXX. Now theyre reporting that we owe over XXXX. This company is FRAUD and they keep adding unauthorized charges.

Company response to consumer: Closed with explanation