vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX XXXX XXXX, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to XXXX XXXX. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a 100 percent total and XXXX XXXX XXXX that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO 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 non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was checking my bank account today XX/XX/2019 online and I found a fraudulent transaction by " XXXX XXXX CA XXXX '' for the amount of {$260.00} that I reported to the bank immediately by calling XXXX. The customer service representative cancelled the debit card and will be replaced this way there are not going to be more fraudulent attempts with this card

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 2019-09-05 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 am requesting a reinvestigation of a dispute filed XX/XX/XXXX. Your results indicated The information you disputed has been verified as accurate Documents A and B ( see attached ) were obtained from the original creditors. Both documents highlight your inaccuracies in reporting that can be verified. According to the FCRA, I have a right to have inaccurate information removed from my credit file. 

Experian has had the opportunity with both XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX to fix these errors, but has persisted in reporting inaccurate information. I want both collections to be removed from my personal file. 

I am disappointed and outraged that Experians casual and callous approach has had on my personal credit file and demand these inaccuracies be deleted as soon as possible.

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX  XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young   to have any as I haven't even been able to seek employment due to being the XXXX  XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I attempted to login to my Citi bank app to check my account balance. When I logged into the app my bank account information was not accessible. I then called Citi to find out why I am not able to see my account. I was advised that my account was blocked due to a check that I deposited on XX/XX/XXXX. They advised that they received information from the issuing bank that the check most likely will be returned unpaid. I explained to them that this could not be possible as the company the check is written on is a well-established company and bank. I then ended the call and called the company that issued me the check. They advised that they are not aware of any problems with their bank account. I then called Citi bank and requested that they send me a letter advising that they have blocked my account and for the letter to include the reason and information on the resolution process and time frame. I was advised by a representative by the name of XXXX that the letter is mailed and that they could not send electronically. They advised that it would take seven to ten days via us postal service. I requested to speak with a supervisor but was denied. After several requests, the agent agreed to transfer me. Before they placed me on hold I asked the agent for their name and ID number but they placed me on hold and then hung up the telephone without transfering me to a supervisor. I called back and filed a complaint ( XXXX ). This is how I found out XXXX 's name. I am disturbed as to why would Citi would block the entire account and not just place a hold on the check. I have several items that will be returned due to this action and will cost me fees and penalties with my creditors. Citi is able to send out other letters electronically to my citi login so why is this letter not available. It is unacceptable to block an account and do not give any notice to the account owner. Had I not called I would not have known that the account was blocked.

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 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX there was a transfer done from my Bank of America mobile app, which actually uses XXXX to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted Bank of America XX/XX/XXXX they basically told me they were not responsible for XXXX and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The letter dated XX/XX/XXXX stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/XXXX. The only thing Bank of American could tell me was that the money was sent through XXXX to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/XXXX I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with XXXX. After researching online I found that XXXX should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. XXXX refuses to get back to me and even the branch manager at my local Bank of America is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. 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
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I have called Ability Recovery services multiple times for a debt on my credit that is not my responsibility to pay as it was paid by insurance for a medical claim. I have requested supervisors, none return my call. The representatives I do speak with are extremely rude in tone, and verbage. I have been trying for 6 months to have this debt removed from my credit. I have disputed, because it was paid by insurance and they confirmed my reason for disputing but did not remove it. I have been hung up on when requesting a supervisor as well. I have not had any success with this debt being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
I'm just sick and very stress out to what has happen to me, I lost my Husband 5yrs. ago and I am a XXXX. old senior just trying to live and work and take care of my self, I have poor health. and trying to move into a low income senior apt XXXX Now am I find out The dept. of Ed. is Garnishing my pay, i can hardly pay my high rent and pay other bills. 
I keep ask what school is this, I didn't apply to any school, a couple of yrs ago I was inquiring about online, but back after 2 weeks, because grandson passed away he was XXXX. and they said it was find, I forgot the name of the school but they have all my information, I never got any thing from them, no books nothing, Now they are charging me over {$5000.00} for something I didn't do, And they said there would be no charge to me. 
I don't know what to do, someone got my information and use it and take food from and making me homeless, I sent every bill I owe, to the debit dept. and they said 30 days XXXX60days XXXX I can't wait that long, I really need someone's HELP PLEASE I have no one, I need this to stop NOW, I can't even help my grandchildrens

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have informed Navient of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Made 3 electronic payments to paypal account in XXXX. Total ammount XXXX . Money dissapeared. They were not applied to pay pal accounts.. all XXXX I try to talk to customer service. No results. I have copies of electronic transmitters from chase to paypal

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 2019-09-05 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX XXXX XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX  XXXX {$59.00} XXXX XXXX XX/XX/2019 {$15.00}

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 2019-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Collection Agency ignore my dispute letter, Don't want to talk and Reported to Credit Bureau -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount {$120.00} Is XXXX SOUTHWEST COLLECTION S Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX : What You told me on XXXX, I have to re-admitted in Hospital to help me, Talk your doctor and get re-admitted Was this worth {$150.00} and hire Collection Agency, and RUIN MY CREDIT? 
Ive Never missed Single bills in my XXXX years, If you feel you need get paid on this, Remove Credit Report and Call me XXXX or email me XXXX Below was my letter collection agency XX/XX/2019 To whom it may concern : 1.While I was waiting XXXX XXXX in the Hospital while accumulating {$28000.00} of bills, He never show up nor came. 
2.having 2nd Severe XXXX XXXX XXXX, much severe than I went emergency for, XXXX XXXX office Made me wait 10 days without even painkiller 3.On top of XXXX XXXX and XXXX XXXX verified XXXX XXXX XXXX, From hospital, XXXX XXXX Create additional Bill of X-ray. 
4.After that, Only he told me let him know when my regular Dr admitted me in hospital again, otherwise he cant do anything and XXXX XXXX didnt do ANYTHING other than Create additional Bill! 

IF XXXX XXXX disagree, XXXX XXXX himself call or write to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
Well the first company that had my account was through XXXX now it's through the professional Bureau of Maryland. When they call, they call requesting the whole amount and telling me what I should pay instead of taking suggestions from me of what I can and and able to pay at the moment so then I get frustrated and that makes me not even want to make a payment to them because they're telling me what I should pay instead of taking what I'm able to give them. I have not made any payments as of yet I do want to make payments but I refuse to deal with them in making a payment, I would rather make the payments through the loan company themselves than dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: LA

Complaint narrative:
I have informed XXXX of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Horrible company! I hav tried multiple of times over the past year to resolve this issue. This is NOT my debt! They keep calling and I keep telling them this is not mine. Ive disputed this through XXXX twice and they keep closing the dispute stating that its my debt. I am laughed at when I tell them its not my debt. Very unprofessional and rude. 

Take this off my credit, please! Identity theft, clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I have contacted XXXX callers inc. and to no prevail have received no information.I have no knowledge of this account and have never heard from or dealt with this company before. I am a victim of identity theft and believe that this account is a result of identity theft.

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 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Inter-Cambio Express, Inc.
State: SC

Complaint narrative:
At XX/XX/2019, I sent {$660.00} dollars, to XXXX using the company Intercambio Express, they  promised money will be available within minutes however my beneficiary so far has not received the money and the wire company said they sent the money but they can not give me a better answer after talking to them over the phone five times.

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 monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I previously received a settlement letter from Receivable Performance Management LLC for a past due XXXX account. I called and spoke to a representative, whom did not immediately identify herself as a debt collector as required by law, and after speaking for several minutes we agreed that I would pay {$300.00} to settle the account in full. I was placed on hold to get approval from her manager, then she returned, disclosed she was a debt collector, then took my payment. 
I received a copy of my credit report this evening to discover the debt was updated reflecting a new balance. I called to speak to a representative, whom stated the account was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I explained to American Express that my wife almost died several times over the last three years and has not been able to work. That caused a severe financial hardship with mounting medical bills. I tried to make arrangements to pay my all my bills but American Express was the only company that was not helpful at all. They stated to have multiple ways to resolve the matter but in the end only offered one solution that did not work for me. As of the past few weeks I've received at least 20+ calls and now my family who is in another state is being harrassed with the same calls.

Company response to consumer: Closed with non-monetary relief