vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: LEXISNEXIS
State: IL

Complaint narrative:
On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: AR

Complaint narrative:
Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States XXXX XXXX for the XXXX XXXX XXXX XXXX, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) Bank XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX Bank, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX Bank, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 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 complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX XXXX XXXX account number XXXX  ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX XXXX, account number XXXX 6. ) XXXX account number XXXX ; 7. ) XXXX XXXX account number XXXX 
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX a Payment of XXXX was sent to the IRS from my BANK ACCOUNT. Since then I have been disputing with the IRS and even sent a document from the bank proving that the payment has been made. The bank removed the dispute the transaction option from this payment and has not allowed me to dispute the transaction stating " THERE IS NOT A CATEGORY TO PUT THIS DISPUTE IN '' Whch is absolutely ridiculous. I want my money back NOW.

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 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. 
First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. 
Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX  lady on the phone who was very rude and mean at the time. 
Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.

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 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed a lawsuit against wells fargo back in XXXX XXXX cases XXXX and XXXX. XXXX XXXX was the provider. wells fargo has done everything to prevent from keeping my house. The following list is a summation of the events > XXXX ) wells fargo has consistently not applied or has misapplied my payments. They misapplied at least XXXX payments from my loan on XXXX XXXX XXXX XXXX mn XXXX and have failed to rectify it XXXX ) wells fargo behind my back paid a renter XXXX dollars to vacate my property that I had in litigation XXXX ) After winning my case in XXXX XXXX. XXXX XXXX had to contact wells fargo each month for 4 months up until XXXX XXXX for them to apply my payments this did not happen until XXXX XXXX. I made my payments each month and wells fargo kept applying my payments to principal on my loan amount. I kept making my payments up until XXXX XXXX XXXX. Wells fargo abruptly stopped taking my payments and never called me and then actually through ACH forced the money I sent them back into my account. From that point on they never contacted me and refused my payments XXXX ) I was never paid the XXXX that I paid my attorneys to sue wells fargo XXXX ) I was awarded XXXX from judge XXXX to be paid by wells fargo due to the fact that wells fargo did not follow the judges protocol in reversing the foreclosure in a timely manner. This was to be applied to payments which was never done. 
XXXX ) I have had many conversations with wells Fargo ' XXXX office. the people in these office are barely college educated kids who do not understand the banking process and pander to whatever Wells Fargo want them to say.the issues never get resolved I want my XXXX dollars applied to my account : basically applied to my past due payments that wells fargo has refused to accept. I want my XXXX that was awarded to me applied to my past due payment schedule.. 

Wells fargo has caused a lot of heartache and pain and suffering since the 5 years ago when I took them to court and won my case against them and they continue to do so.They are a monster and the banking system should cause them to fail for everything they have done to people. there are numerous lawsuits against wells fargo including the recent one where they fraudulently opened accounts unknowingly for their customers. how long must wells fargo be allowed to do whatever they want and go unchecked. They are a corrupt organization. 

I want these monies applied and I want wells fargo to take my house out of foreclosure and I also want my mortgage free and clear from wells fargo I took them to court once and I will take them to court again. 

The CFPB has an obligation to take care of this for me as well as all consumers who have been tortured and bullied by this banking institution

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 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J. Mark Heldenbrand PC
State: AZ

Complaint narrative:
In XXXX of 2016 I bought my first home and gave my 30 day notice to my landlord at the time. I had a friend help me move out but was not able to take a mattress and a nightstand with me so i figured i would just pay for them to remove the items. They removed the items but claimed the carpet was completely damaged and that they found bedbugs in the apartment so they sent me a final statement with a total of {$2300.00} stating they were not able to rent the apartment for two months. After trying to negotiate they said they were actually able to rent the apartment and removed a months rent so the total amount went down to {$1400.00} I still did not agree with this amount because the carpet was in good condition and i never saw any live bedbugs when i moved out. Now a year later they hired a lawyer and the total amount they are asking for is {$6700.00} including attorney fees. They claim they pay a company to do a treatment for the bedbugs but they paperwork does n't show this. Also they showed me an invoice for the carpet replacement but did n't show me proof of the " damage '' carpet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: KY

Complaint narrative:
Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com 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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: GA

Complaint narrative:
I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: TN

Complaint narrative:
In 2014 Capital One auto finance reported a fraud to my credit score account. My car I had purchased from them was stolen and I have a police report but capital one auto finance still put a fraud on my account and I need it removed.

Company response to consumer: Closed with explanation