vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2019, Wells Fargo Bank withdrew XXXX per a Court Order instituted by the Law Office of XXXX XXXX for HOA fees. I was not contacted by mail or e-mail by the firm that the funds would be taken from my account and all the bank could tell me was that it was a Legal Order Debit transaction and they are authorized to take funds via a legal Order or writ from the Court. I am baffled by how this can happen and would like to know how I can prevent a Law Firm or creditor from doing this in the future is. For the collection of HOA fees. I would like to know what laws authorize a bank to withdraw funds when a debt is owed. Doesnt seem fair or right. Lots of consumers have debts out there that remain uncollectable until an agreement for payment is made with the consumer.

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 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to Trans Union on XX/XX/XXXX. THey were supposed to respond within 30 days, but they have not.

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 2019-03-25 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: GREAT LAKES
State: PA

Complaint narrative:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .Great Lake Id:XXXX .its not fair its bringing my score down badily

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX in reference to XXXX XXXX credit card stating that they were reducing my credit card limit due to information in my credit bureau from XX/XX/XXXX. How can a credit line be decreased from a bureau that is months old? They wont really answer any questions. Now the significant reduction in credit line is affecting my credit score. I am working extremely hard at raising my score. I have never missed a payment with them. I rarely have a balance. I just do t think its right to lower my line from an old bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: URS Holding, LLC
State: CA

Complaint narrative:
hi I received a letter from XXXX on XX/XX/XXXX stating my loans were discharged and cancelled, then I received a letter from a collection agency on XX/XX/XXXX stating I owe XXXX dollars im exhausted dealing with them they have taken my tax return in the past 5   years.please help they are getting ready to take my refund for this year aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA FSB partial account number XXXX ( page 17 of the attached credit report. ) is incorrectly reporting to XXXX ; XXXX and XXXX a late payment in XX/XX/2019. I contacted USAA FSB and the representative I spoke to, her name was XXXX admitted that a mistake was made and that the reporting of the late payment on our credit report is incorrect. XXXX told me even though the mistake is on their end, she said they do not have the means to give us a forgiveness letter, nor do they have the means to contact the credit bureaus to have the late removed. They sent us a dispute form ( copy attached ) that we filled out and did send back to USAA FSB for them to review. We demanded a correction and after a very lengthy telephone call, approximately 2 hours, the call ended with the representative from USAA FSB for me to call us back in 1 to 2 days to get an update. We have not yet heard back from any representative with USAA FSB and the incorrect reporting is still showing up on our credit report. This incorrect reporting is harming our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Judgemntcollection XXXX XXXX that is reporting on Equifax only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello My name is XXXX XXXX, I enrolled A student loan From NAVIENT for {$17000.00} With XXXX XXXX XXXX. I've been paying them {$500.00} a month to build up my account and they would negotiate a settlement with them. I followed the creditor 's Instruction 's to the letter, but they won't listen to reason. This has been going on for the last 8 month 's. They called my house 10 time 's a day, I submitted a cease and Desist letter, they stop calling the house. Now they Email me 4 times a day, have called everyone in my family, my son 's, my In-laws my parent 's. Now Today they threatened with Default this Friday. I reminded them about XXXX XXXX XXXX Program, they tell me we won't deal with them, we want the loan paid in FULL, NOW!!! They won't listen to reason. I Keep reporting them to XXXX XXXX XXXX, send them all the email 's, tell them about the Threats, now XXXX told me to file a complaint with you, I don't know what else to do. Please Help me if you can. Me and my son have Paid almost {$150000.00} dollars worth of Student loan 's off, but NAVIENT is the worst company I ever had to deal with. My Son XXXX Got his XXXX  In XXXX  and is working XXXX XXXX, In XXXX GA, We are Paying every loan that we got Back. He Pay 's almost {$2000.00} dollars a month, and I pay {$600.00} a month, but NAVIENT doesn't Care!!! They are Very Belligerent! Please Help Us if you Can, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: DE

Complaint narrative:
PerdueBrandonFielderCollins & Mott, LLP sent a collection big red post card with 2 Docket # s and a dollar amount of {$810.00} all visible for anyone to see as well as stating I would be subject to an arrest roundup if I didnt pay by XX/XX/2019. Besides putting this information out for everyone to see causing humiliation the amount owed was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NY

Complaint narrative:
Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to XXXX   and Equifax with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX IdXXXX .its not fair its bringing my score down badily

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 2019-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX XXXX XXXX not fair its bringing my score down badily

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: PA

Complaint narrative:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .XXXX XXXX Id:XXXX .its not fair its bringing my score down badily

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 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MD

Complaint narrative:
TO ADD TO EARLIER PROBLEM WITH sELENE FINANCE last week i found out my home was uninsured for a moth because Selene finace did not make insurance payment-they are a complete joke

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
XX/XX/2019 a purchase at XXXX XXXX XXXX # XXXX in XXXX XXXX, Tx for {$67.00}. On XX/XX/2019 a purchase at XXXX XXXX  # XXXX in XXXX XXXX, Tx for {$2.00}. Fraud report filed # XXXX. XXXX XXXX 's in XXXX XXXX, Tx. Informed that there is no XXXX XXXX in XXXX XXXX with the store number of # XXXX, # XXXX. Called the card company several times, but never transferred to the Fraud Division. XXXX XXXX XXXX    XXXX XXXX number is XXXX (? ). Wrote a letter to the company, no response. Card replaced!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX AND IC SYSTEMS is reporting an account created in 2013 from ID THEFT which is in violation of California Statute of Limitations Fraud 3 yrs. Civ. Proc. 338 ( d ) Collection of Debt on Account 4 yrs. ( book and stated accounts ) Civ. Proc. 337.

I am requesting a block " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Aqua Finance, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX and XXXX, 2019, my father, a Veteran of advanced years and poor hearing, was approached by XXXX XXXX XXXX of Florida and sold, via financing, a water conditioning system he does not need. I attempted to resolve the matter with XXXX XXXX and when that didn't work, I attempted to resolve it with Aqua Finance Inc, the company that XXXX gets paid by. Aqua Finance has no interest in releasing my father from a contract he didn't realize he was signing, nor are they willing to work with the investigator from the County Consumer Protection agency that I engaged when I filed a complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( XXXX, XXXX, Trans-Union ) XXXX deleted the accounts, but XXXX and Trans-Union are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX   {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but XXXX and Trans-Union continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is XXXX and Trans-Union able to verify them?

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 2019-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had several ACH debits taken from my personal checking account to pay a credit card that I have never been a part of. My ex husband XXXX XXXX is using my checking account that he has never been a part of nor had permission to use, to make his monthly payments. I have disputed the transactions with my financial institution however Capitol one continues to allow these payments. I have called capital one and advised them of the situation and they state that since I am not the primary holder of my ex husband card there is nothing they can do to remove my checking account information that is fraudulently being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I had a mortgage with AmeriHome Mortgage which was paid off on XX/XX/2019. My loan number was XXXX. We were told at closing that the escrow account balance would be mailed to us in 30 days. As of this date, we still have not received it. 

I called AmeriHome customer service in XXXX and was told their policy is the company will wait 30 days after closing to process the payment. As our loan was closed on XX/XX/2019, the check would be mailed the end of XXXX. I have called numerous times in XX/XX/2019 inquiring where the check was as we had not received it. I was told it was cut on XX/XX/XXXX. But they offered to stop payment and reissue but it would probably take another 30 days before we receive it. 

In talking with XXXX ( would not provide last name ) a customer service representative on XX/XX/2019, she told me that AmeriHome cuts checks but does not mail them out for a week in order to allow approval. I asked her to stop payment and reissue and expedite it. She said she could not expedite.. I asked to speak to a supervisor. XXXX ( XXXX ID # ) came on the line and told me he can stop payment which will take 5-7 business days, Then they would request a replacement check which would take time with the check needing to go through another 5 business day period for approval and then he could request that the check be overnighted but he could not guarantee they ( another dept within AmeriHome ) would approve it. I said I would pay for it but he said no that should not be necessary. 

I explained to XXXX that I was going on vacation out of the country and was counting on the money for my vacation. I am leaving XX/XX/XXXX ( early XXXX ) for 15 days. I told XXXX I really need that check before that. 

I apologize for the long story, but given my situation I wonder if the first check was ever mailed. It should not take 30 days to get money sent back to a homeowner. In fact, it should be given back at closing. I wonder if this process is structured such that AmeriHome can keep prior borrowers money until we scream so they can invest it during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to Chase Bank two-wire {$3000.00} dollars to XXXX the teller was there she made so much mistake with sending off the money she finally send off the money I did not know the money had to go through XXXX XXXX to get to XXXX inXXXX when I went to XXXX in XX/XX/XXXX and when to XXXX XXXX XXXX in XXXX I realized the money was not there I called Chase Bank from the manager Office from the bank in XXXX upon calling Chase Bank they said it was some kind of mix-up the money was in the hair when I came up now I go to the bank they said the money is not there I've been going through the running around Chase told me to call her XXXX I call real XXXX XXXX XXXX said they trying to get to XXXX XXXX not responding iqor XXXX XXXX said XXXX XXXX never send them no information no nothing Chase told me they're not responsible for my money they don't want to have anything to do with me XXXX   XXXX don't want to have anything to do with me XXXX XXXX XXXX in XXXX said the money is not there I want my money the teller from Chase Bank they fired her I don't know what's going on I don't know what's going on I just want my money Chase Banks manager said they don't have the money it's between XXXX XXXX and XXXX the money is messing. You said if it's the best bet he think is XXXX XXXX. Chase Bank customer representative they call me they said they can not do anything to help me they was so rude to me and nasty to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting an unpaid account in the amount of {$560.00} ( page 19 of the attached credit report ) partial account number XXXX. This account was sold to Consumer Portfolio Services for collection. I do not have XXXX and this account does not belong to me. This account is over 7 years old and the statute of limitations has expired. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation