vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Wakefield & Asso have reported information on my credit report that breaks the law of the Fair Credit Reporting act and not validating the information I asked for which they had 30 days to produce. Not only that they have violated my Hippa rights and Hippi law by sending me items of procedures that was done at hospital without a Hippa release which is a clear violation of the Hippa law and now I can proceed with a law suite . I have  documented the letter I sent them in XX/XX/XXXX of information I asked for which they never provided by the 30 days they had to produce but instead sent me a response that clearly in violation of the Hippa law and my rights. I want the items removed from my credit report or I am going to file a law suite

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I one day noticed my paychecks were smaller and called HR. Then found out that there was a garnishment for {$4000.00}. I NEVER received notification. I called the lawyer who was doing it and they said it was for a debt from a bank in which I closed my account back around XX/XX/XXXX-XX/XX/XXXX and withdrew all my savings of {$8000.00} and asked the teller if we were good and she said yes. The bank had went out of business not long after. I asked what the debt was for they said an old account of a little over {$1000.00} with the bank. I told the woman I closed my accounts when I was moving and remarrying so did not see how and they never notified me of the debt to try to set up a plan or prove it or even of a garnishment. They have taken well over $XXXX XXXX  already and still harass me. They also told me when I called them that they have another debt from a XXXX bank with an old boyfriend. I told them I never had a XXXX XXXX account. And not with him either. I called XXXX and they said they NEVER showed me having an account either or debt. I asked them for proof and they refused and are threatening to garnish it too. This law firm is taking {$4000.00} from me and never notified me or provided proof on a debt with no evidence or even tried to work with me and I am a single parent dealing with XXXX and XXXX and they are rude and always threatening. Plus we are talking over 13 years old and a bank that is long out of business. Please 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 2018-09-06 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX  XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank has failed to act upon my requests to close my account. 

They failed to ever provide me access to my account, and have then failed to act to close my account. 

I went into a bank branch in XXXX XXXX XXXX, fl over 10 days ago, provided my ID and requested my account be closed, and no action was taken. 

I called and requested the account be closed again, and after 4o minutes were unable to close the account because I couldn't give the precise details of a motorcycle that I owned for 3 months, 8 years ago. 

This is my final request before taking further action. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I requested my annual free credit report with experian and was charged {$1.00} for the access despite not having requested my credit report for the year. Today, on XX/XX/XXXX, I was charged {$21.00} by Experian for completely unknown reasons as when I contact the company, they say I have no active membership with them and when I look online it says I am OWED a refund of {$21.00}. Now, no one can tell me why they charged me or what it was for and I want all {$22.00} refunded immediately. When I look up the company who charged me, it is Experian doing business as XXXX. This company has been sued multiple times for doing this to others and they are still doing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
When XXXX XXXX XXXX sold our loan to XXXX XXXX XXXX balance was XXXX they added 2nd mortgage of XXXX long as we made are payments on time for 3 years, They would defer XXXX off of principle balance XXXX Resulting in balance of XXXX. We made our payments on time. Document page 3 will explain it, I will fax page 3 to you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
False information on my credit report, claiming a balance of over {$3000.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This is False information. 
The original contract from XXXX & XXXX XXXX XXXX was Cancelled.  The vehicle was returned and the original contract was cancelled, with a zero balance, and the buyer agreed not to sue the seller for fraud. 

This information was provided to Transunion on XX/XX/2018 in the form of a complaint. 
Transunion failed to take appropriate action and remove the false item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: AES/PHEAA
State: TX

Complaint narrative:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I contacted Experian on XX/XX/2018 about incorrect addresses that appear on my credit report. They are reporting this erroneous address as XXXX XXXX XXXX XXXX XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX, ND XXXX. When I talked to XXXX, the Experian customer rep, she explained to me that the 23 accounts that are tied to these physically unverifiable addresses can not be removed without a letter from the creditors asking to have it removed. I explained to her that, as a credit reporting agency, Experian must, by law, report CORRECT information, lest they be sued for fraud. She remained steadfast that unless the creditors from these 23 accounts contacted Experian and admitted their mistake in reporting these erroneous addresses, there was nothing she could do to remove these accounts nor the unverifiable addresses.

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 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In mid-XXXX  I tried depositing a check in my Ally checking account using their mobile app. The app said I could not deposit the check because it had already been deposited, which was not true so I tried depositing two other checks for different amounts. I got the same false error message when I tried to deposit those checks. 

I contacted Ally support, and they told me it was a problem with the mobile app, so on XX/XX/2018 I tried depositing the first one of those checks through their website by uploading photos, however I got the same false error message. I continued trying to deposit checks through the mobile app over the next several days, however when it became apparent their system was broken and their support was unwilling or unable to help me I cancelled the one recurring payment I had set up in bill pay. 

That payment went out anyway, so I had the recipient destroy the check. However, Ally still charged me a {$25.00} overdraft fee for that payment on XX/XX/2018 as well as identical fees on XX/XX/XXXX and XX/XX/XXXX, one of which was for an automatic payment. These overdrafts were entirely Ally 's fault for failing to keep check deposits working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 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: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. 

The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. 

This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account from XXXX per XXXX XXXX was recently added to my personal credit report. This account is old and does not belong to me.It is also an old account that is no longer collectable or report-able according to Ca. law.I have tried to dispute this account at the Transunion website but I'm not allowed to access the dispute page. When I call and ask why, they give me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to Experian and XXXX  for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked Experian and XXXX  for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like Experian told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to Experian And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed

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 2018-09-06 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: NY

Complaint narrative:
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and Screwing my CREDIT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i received a call on XX/XX/XXXX that on XX/XX/XXXX someone named XXXX on XXXX XXXX in south carolina added herself online to my account and has made in store purchases of over {$2000.00} since then

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am moving to a condo complex in XXXX that uses XXXX for all of their condos. Getting XXXX basic cable and internet is required per our lease. I contacted XXXX to receive the equipment needed and was told to provide my social security number. I declined and was told they need it for credit check or that I would need to pay {$100.00} deposit for the equipment I would receive. I said I would prefer the {$100.00} deposit and did not want them to run a credit check, therefore declined to provide my social security number and date of birth. 

I received noticed that a new inquiry had been opened through Equifax through XXXX XXXX on XX/XX/XXXX according to XXXX XXXX and on XX/XX/XXXX through XXXX. I did not authorize them to do this. Looking on XXXX XXXX it has been listed as a Hard Inquiry and has decreased my credit score. The address the inquiry request originated from is : XXXX-XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE I called the company on XX/XX/XXXX and was not given a response and was told they have never heard of this before. Through some basic XXXX search, found this has happened a number of times to others where XXXX ran hard inquiries without authorization from the customer. I have not been contacted back from XXXX as they said they would

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, Transunion delete these late payments and update my profile

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