vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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: PA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : XXXX, Trans Union & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from Trans Union saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.

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 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
WFHM is continually Complaint after Complaint refusing to provide a solution to problems they have created. They are trying to deny the problem which will not go away. This leaves me no choice since they have not operated in good Faith but to take this situation to the media. We will let every national, local and world media outlet let the public know that WFHM is continuing business as usual when it comes to their customers. That WFHM upper management XXXX XXXX and XXXX XXXX XXXX specifically, refuse to step up to the plate. XXXX XXXX and XXXX XXXX XXXX are continuing the practices of their predecessor, continues to put inexperienced uninformed employees on the front lineI instead of standing forward and doing the job for which they are handsomely overpaid for. We will also see to it that every consent judgement brought forward by WFHM be thoroughly investigated as to adhereance and payment to victims.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : Equifax, XXXX XXXX & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from XXXX XXXX saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX   years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. 
At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. 

A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. 

However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX  visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. 

Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. 

XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. 
Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/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 2018-05-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Experian came back as verified. I am not responsible for this debt it's not mine. According to the FCRA Experian is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Experian is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.

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 2018-05-09 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: NV

Complaint narrative:
on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely 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 2018-05-09 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: CA

Complaint narrative:
Re : Unauthorized Charge {$4100.00} on Citibank Creditcard No. XXXX I was bullied by Citibank into paying {$4100.00} to a contractor,  XXXX XXXX, on the above credit card, without my authorization. Citibank is not a court of law and has no jurisdiction to order me to pay any money to any contractor unless it is done with my authorization. Citibank 's bullying behavior violates the Fair Credit Billing Act. 

I hired XXXX XXXX to replace some windows last XXXX. XXXX quoted {$5100.00} for the job. I accepted the quote and paid a {$1000.00} deposit to XXXX on XX/XX/XXXX by charging the above credit card issued by Citibank. When the job was finished, I discovered many defects in workmanship and material quality. I complained to XXXX and was in negotiation for a settlement. But XXXX stole the number of my credit card and walked away with the remaining {$4100.00} by charging the card on XX/XX/XXXX without my knowledge and authorization. I noticed this unauthorized charge onXX/XX/XXXX and immediately alerted Citibank to that effect. Citibank responded by reversing the transaction and credited the sum back to my account on XX/XX/XXXX. While I thought the billing error was corrected, Citibank, for no reason at all, charged my credit card account again for the unauthorized {$4100.00} charge nearly two months later on XX/XX/XXXX and forced me to pay the sum under the credit card agreement provisions, which I paid in full on XX/XX/XXXX. Since then I sent Citibank numerous certified letters and emails to dispute this billing error and request for a credit of the money, but to no avail. Citibank 's last excuse for denying my request : " timeframe in which to resolve a dispute has passed. '' What a bully! Eight Exhibits are attached to substantiate my claim.

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 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.

I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.

but this is in fact not true under law.

Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.

In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.

Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit. 
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ... 

Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience. 
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is  more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Equifax came back as verified. I am not responsible for this debt it's not mine. According to the FCRA XXXX is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Equifax is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.

Complaint narrative:
Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non U.S. bank However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX  XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information, Ally Bank does not cooperate in the process or returning those funds. Multiple calls to the customer care hotline resulted in straight up conflicting responses on when and if the money would ever be returned. As of now, Ally Bank more or less kept the money.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.

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 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I had 4 loans and after making payments I paid one off in full. There are 3 left and Navient service of these makes it difficult to repay. For starters everytime I try to make a payment there automated system hangs up on me and it takes 45 - 1hr trying to reach an actual person. I should not have to beg them to take my  payment? Secondly I feel they illegally cheat borrowers out of repayment rights through shortcuts and deception. I have been provided bad information, they have been processing payments incorrectly, and failing to act when I complain. Im a struggling borrower who has been cheated out of rights to lower repayments, which caused me to pay much more than they had to for their loans. Navient repeatedly misapplies or misallocates payments. Navient steers many into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Navients emails and annual renewal notice sent failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured renewal notices in emails sent that did not adequately alert them about the need to renew. Severely and permanently XXXX  borrowers have a right to seek loan forgiveness under the federal Total and Permanent Disability discharge program. I have been almost XXXX by being XXXX and the school has not taken this into account. Navient has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I'm getting robo calls from XXXX for debt collection when I have excellent credit and no out of compliance debt obligations. This number is well documented on the internet for harassing people who are not qualified for a debt collection solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: PA

Complaint narrative:
TransUnion reported my XXXX balance as XXXX a week ago and than yesterday reported it again as approximately XXXX unpaid and past due dragging my rating down 115 points. 

I just resolved this dispute with them and two days later they put it back on. 

XXXX has sent me documentation which I sent to TransUnion agreeing the balance is XXXX 

Please Help

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