vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
The company returned an email saying that I was no longer in their records.

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 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.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 XXXX XXXX XXXX, XXXX XXXX/XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
My one bank account was over drawn and they transferred money from a different account w/o notifying me and kept checks in hold for over a week causing several bills including car payment, mortgage, credit card, and electric bill to bounce becoming overdue since I did not notice. They the froze my accounts after they removed one payment and placed it into the over drawn account that would have one of my direct deposits suited next week to cover the amount. It was an accidental deposit of checks we didn't realize were already submitted and I had that account for almost 9 yrs with no problems. USAA is mad b/c my spouse and I had over XXXX of attorney fees and had to file bankruptcy which included a lian my spouse took out in my name for XXXX in which he paid XXXX a month for first 24 months and could only pay the XXXX month but somehow still owed XXXX so I told him to place it on the bankruptcy. USAA pretends to help veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: GA

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: GA

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the  attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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 — Was not notified of investigation status or results
Company: Medical Society Business Services, Inc.
State: CO

Complaint narrative:
I am getting sick and tired of dealing with XXXX fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint XXXX, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

BUREAU OF MED ECONCS has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XXXX XXXX, 2019 Source XXXX Company BUREAU OF MED ECONCS Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, XXXX has set it up where I am not allowed to dispute it again. 

Delete it and for XXXX, stop collecting information on me. YOU PIECES OF XXXX ALLOWED THE DATA BREACH ON ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX.XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I do not recognize any of the companies the inquired my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX Hospital, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: GA

Complaint narrative:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX  XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is a debt collection company and I understand that I owe the debt but I refuse to be harassed and contacted everyday including Saturday 's and Sundays. I receive two to three calls a day from different phone numbers but from the same company, Portfolio Recovery. I'm receiving XXXX for XXXX and XXXX and this company have me in tears some days because I know it's them and I've even received calls before XXXX from local numbers pretending to be someone else. I have even read reviews from other consumers and they have all said the same thing, they are being harassed as well and they are a nuisance. Blocking them doesn't work because they just call from another number. Between the months of XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery has called me from 10 different numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX  ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: NV

Complaint narrative:
Equifax is purposely disobeying the FCRA 605 ( B ) Laws. Equifax has received all the necessary documents on my behalf to validate my identity being stolen, in relation to a fraud account and fraud inquiries showing on my report. Equifax staff members verbally said they received the documents on XX/XX/2019 and thus far have not blocked the said creditor or inquiries ... today XX/XX/2019 staff member verbally said to me that they just initiated a new dispute for this account.. so what have i been waiting for these past 30days? nothing? ON TOP OF THAT, THIS ACCOUNT HAS BEEN LEFT ON MY EQUIFAX REPORT LONG ENOUGH FOR A NEW BALANCE TO REPORT, THE BALANCE GOES FROM XXXX BUCKS TO XXXX BUCKS, THE THIEF HAS MAXED OUT THE FRAUDULENT CREDIT CARD ACCOUNT AND NOW IT HAS RUINED MY OVERALL UTILIZATION, THIS IS HORRIBLE! And your not disputing the inquiries even tho they've been added into my recent police identity theft report? ... Makes no sense. They are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days or more for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They have totally disregarded the laws morality and my own anguish, so I thus have been forced to keep fraudulent accounts & inquiries on my profile through their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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:
Navient continues to call telling me I need to make a payment even after a payment has been processed. The call multiple times per day and harass me for a payment. I tell them I have already made a payment and they do not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
For several months I have tried to fix my bill with XXXX XXXX XXXX I would call their 800 number and they would keep me on hold and constantly hang up the phone. I disputed the bill they sent me and waited for a new one which I never got. I also received a letter from them stating that they would cut it in half which I also sent to them and they did not honor what they wrote so I contacted their head office and send them the letter I was also told that one of the phones was free they never took it off the bill as well as the activations and half of specials was not on the bill after several months of waiting. I never got a bill after contacting the head office and sent them all documentation. As of today 's date I never got the final bill that was suppose to be half off and then 800 off the phone. I do not owe the amount of {$3700.00} as stated in the collection notice from Sequium Asset Solutions LLC the consumer has letters where XXXX XXXX XXXX promised to cut bill in half and as of today 's date that has not happened nor the {$800.00} credit nor the activation specials taken off of bill. During the time I had the phone it was constantly having to search for wi-fi even after they told me I had unlimited data. If I have unlimited why is the unlimited never working? I would call about this for I constantly required the use of WI-FI from other carriers after having to be billed full price for services not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
Complaint is against Statebridge Company for poor customer service. Refinanced my primary residence mortgage. After funding on the refi on XX/XX/XXXX, I noticed that my regularly scheduled payment with the servicer ( Statebridge Company ) came out of the account the following day. I required about the refund process on XXXX via email to the email address advised to contact ( XXXX ). No response a week later, so sent a follow up email on XX/XX/XXXX. No response a month later, and sent an additional follow up email on XX/XX/XXXX. My account is still debited for the XXXX payment and I am simply trying to get resolution on if I am due a refund as the payoff for the refi had interest up until XXXX and from what I can tell from my XXXX payments the interest is in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
This is a student loan that my wife took from NAVIENT while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and NAVIENT tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I bought a used car from XXXX XXXX in XXXX XXXX NY. XX/XX/XXXX. By the time I bought used car XXXX XXXX XXXX I took loan from bank of America {$10000.00} the loan paper I signed at the time of purchase shown amount as I mentioned earlier. 

When I received my first bank statement I saw an amount of {$11000.00} I did call bank and get the information they told me that you tood extended warranty at the time of purchase. which I never did I have a proof which I signed at the time of purchase. Bank told me that they have two different contracts under my name one which I signed. Another one which has extended warranty which they signed electronically and I wasnt aware of that. Now its been three months Im having trouble to get my refund of {$1000.00} and Im paying interest on the amount which I never borrowed.

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have paid the full balance {$390.00} on XX/XX/2019, I have a statement that has been sent to me that will be uploaded on Monday that shows this, I received a new statement the following month with a late fee of {$27.00}, I failed to realize that and contact the company about the late fee, also why would there be a late fee if I have paid the full balance, the company continued to add late fees to late fees, after which the phone calls started to convince me to pay the all the late fees, I have tried to explain to the people on the other end that it is not right to pay late fees to late fees and they should be reversed, but I was warned that if I did not take care of these there will be additional late fees, I would like Consumer Finance to investigate this matter as it XXXX fall in predatory landing practices, also they have added a late fee charge to my credit report, even though I was not late and the balance was paid in full. 
I have filed a complaint with XXXX, but they are of no help, they have closed my complaint without a resolution until 90 days pass and whether or not the business decides to respond after which they will try again, I guess?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I leased a Hyundai XXXX  from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo. term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted Hyundai to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per Hyundai Motor Finance 's ( HMF ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX  was shipped from XXXX XXXX to the GM at XXXX XXXX XXXX. The GM at XXXX XXXX made the shipping arrangements. 

I never had any contact with HMF after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted HMF to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX  since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by HMF. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. HMF kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of HMF and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that HMF did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that HMF spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to HMF since XX/XX/XXXX. 

It is apparent to me that a Hyundai employee must have taken the XXXX  after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. HMF either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the GM at XXXX XXXX, who I leased the XXXX  from and who I shipped the XXXX  back to in XX/XX/XXXX had been fired and is no longer working for Hyundai. Hyundai refuses to provide me any information proving who returned and made payments on the XXXX. I believe Hyundai is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.

Company response to consumer: Closed with explanation