vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 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: TX

Complaint narrative:
I had  XXXX    XXXX   XXXX   removed from my experian  report on XXXX /17 They reinserted  the unverified debt on  XXXX / XXXX /   17  without notification

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 2017-06-19 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: GA

Complaint narrative:
I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for near ly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arran gements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.

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 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have my checking account with Bank of America.     I have a payday app on my phone called  XXXX . I use this app when I need more money.      XXXX  on my phone has to basically dial in to my checking account and pull banking information such as direct deposit, ACH of funds and Current Balances.      XXXX  has repeatedly has had instances where it can not pull current information form Bank of America to function properly.

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 2017-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This submission is in response to a previously closed complaint  XXXX .   A loan modification was executed through a third party ( Hardest Hit Fund AKA Arizona Foreclosure Prevention ). Bank of America has refused to update my credit file according to the Fair Credit Reporting Act as late payments were reported while making payments during the program. Bank of America justification for derogatory reporting is that the modification was not completed within their business entity.     Intermittent address changes to my credit file without my explicit authorization or consent.

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 2017-06-19 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: GA

Complaint narrative:
I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for nearly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arrangements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MI

Complaint narrative:
Dear Investigator, Elanco Financial Svc. sh ows up on both our credit reports!   This account was never authorized nor opened by us and must b e Fraud!    We are DISPUTING this account and demand it be removed immediately from our credit reports.   Thank you,  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 2017-06-19 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: Ray Klein, Inc.
State: CA

Complaint narrative:
My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.

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 2017-06-19 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.

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 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
Navient To view all information regarding this notification, log in to your Navient inbox.
here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: HI

Complaint narrative:
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from Transunion,  XXXX  and  XXXX  to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  with  XXXX ,  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with Transunion. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.

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 2017-06-19 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: MI

Complaint narrative:
I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone

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 2017-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Inquiries were made on my credit report that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: NC

Complaint narrative:
On  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, dating back to 2009. I have extended fraud alerts and security freezes on all 3 of my credit files. I have made efforts to clean up any fraudulent information on my credit reports by sending  in copies of my driver license, social security card, police report, personal information update documentation, and 609 letters. XXXX XXXX and XXXX are no longer reporting any fraudulent information. Experian is. I have disputed the negative fraudulent account listed on my report for about 3 years now. They will not delete it, even after sending in all information by certified mail proving who I am and asking for validation of the account in question. They can not provide me any validation or proof that it belongs to me. It does not belong to me. I have never had any contract with 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 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I use  XXXX  to file my taxes. I mistakenly left my old checking account information from  Chase as  the account to deposit the refund in. I have not had a refund for many years, so until now, this problem has not surfaced. I tried to alert the IRS about this problem but they informed me that I needed to contact my financial institution.  <P/> The ACH was made on or around   XXXX   XXXX   XXXX     in the amount of {$950.00}.  <P/> I contacted  Chase  on   XXXX   XXXX   XXXX     and they were able to locate the ACH. They instructed me to call back during business hours and provided me a number to reach the ACH department.  <P/> I called back on   XXXX   XXXX   and spoke to another customer service representative and then a supervisor. They were not even able to locate my closed account this time ( based on my SSN ) and instructed me to reach back out to the IRS ( creating an infinite loop ). They have apparently lost my account information. They claim that I never had a checking account. I told them I was looking at a check from my old checking account and they responded patronizingly that it must be a cashier 's check or something. They were also not able to locate the ACH transaction this time, even though they were able to last time. They are holding the money and I have no way of getting to it.  <P/> I included  two  attachments : an old check from my checking account and the  XXXX  printout that shows the ACH information with their routing number. The  two  account numbers do n't match ( I 'm not sure why ), but the routing number is clearly a Chase number. I also included a third attachment that shows the status from the IRS.  <P/> NB : The initial refund amount was for {$1100.00}, but there was a deduction, bringing it to {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I contacted   XXXX   XXXX   XXXX   XXXX  regarding the removal of my current mortgage serviced by Select Portfolio Servicing from my credit file. I spoke with a representative whom advised that   XXXX   had received an "  Electronic Communication  '' from  Se  lect Portfolio Servicing to remove the item from their credit reporting. I spoke with Select Portfolio Servicing on  the same day  XXXX   XXXX ,   XXXX  , and they advised that they had not sent any communication to   XXXX   regarding my account and it still should be reporting as usual.  Select Portfolio Servicing  faxed me a copy of the information that had been reported earlier in  XXXX  to   XXXX   f  or reporting.     Due to   XXXX   XXXX   XXXX   XXXX  removing my mortgage from my credit file, my  credit score  has dropped from  XXXX  to  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: FL

Complaint narrative:
Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.

Company response to consumer: Closed with explanation