vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: NM

Complaint narrative:
To Whom It May Concern : I am writing this letter to make a complaint and have investigation done against Equifax regarding my credit report. I have called and called and called and a representative gets on the phone from Equifax not able to speak good English and I have to keep repeating myself. Not only that I have been hung up on, but I also have left messages for supervisors to contact me back regarding my SCORE and no response. The worse customer service! I paid off a home loan last year, paid creditors that were listed on my report, and etc and my credit score has not changed a bit. I am discussed with Equifax.

I dont need a copy of my credit report. I need answers! My credit score is lower than my other scores. I know fully what is going on with my credit and know that my score should be much higher. I am writing letters to the XXXX XXXX XXXX, Mayor, and anyone else that needs to be notified about Equifax behaviors. Credit scores are important in everyones ' life and to have people like this at Equifax with disrespectful and inappropriate behaviors that is handling your credit report is scaring. If I dont receive a phone call back, I will file a law suit against Equifax, which I have already spoken to an attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Collection on credit report I have no knowledge of agency. Never heard of. Tried to remove from credit report and asked to sign up credit protection programs. Always states updating dispute without any changes in status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.

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 2018-06-22 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: IL

Complaint narrative:
I have disputed with Experian three times. Each time I have asked for verification of items on my credit report. I have not received how they performed the process. I have asked. I have letters sent by certified mail and their response. The last time Experian responded they told me they verify but did not provide it. That is not what the FCRA extends to consumers. Also, I did not receive it in fifteen days as per  FCRA. I did receive a response but not verification. If they have the records it is my understanding that they need to provide it when I ask. I do not owe XXXX XXXXXXXX XXXX anything. They have not verified with me either. I refuse to pay a debt to a collector I have nothing to do with. I also refuse to pay a debt I do not have proof is mine. If this debt is mine I want proof and they have not provided it. My letters have been specific. A debt that is not reporting correctly is inaccurate. should I have said that? I have included the last letter with Certified Mail # it also contains the second letter I sent Experian as it's like they just tossed it in the trash.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2009, I graduated from XXXX XXXX XXXX XXXX XXXX. I earned XXXX Degree of XXXX XXXX, which is a four year degree. This institution double billed me. This school also is affiliated with a XXXX school called XXXX XXXX University. They double billed me for both schools, even though I never attended XXXX school. A couple of months ago, I applied for a loan and found out that much of the information in my credit report is incorrect. When I filed a previous Consumer Protection Complaint, the loan servicer falsely claimed to CFPB that I withdrew from XXXX school. I am paying for loans I never received. I never attended or withdrew from XXXX XXXX University for XXXX. It appears that these two educational institutions defrauded me when they charged me and billed me twice. They received so much federal funds which I never saw or received.

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 2018-06-22 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:
Wells Fargo bank has again on the 7th time or so shut down my card due to false implications of fraud. I have been sent 5 different cards by Wells Fargo since moving to XXXX. Th have consistently shutdown my cards on numerous occasions, minimal on my part. Wells Fargo sent me just recently a new card and shut if off the next day. I was left stranded at a gas station for almost 2 hours recently waiting for them to clear my card so I can get gas. They also sent me two cards in XXXX  where I am and they have simply abused me since they sent me the first card to XXXX. THIS IS DISGUSTING. PLEASE HELP ME FROM THIS WELLS FARGO ABUSES

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 2018-06-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A company called XXXX reported on my credit report. On their website it stated. Checking your offers will not impact your credit score.  **The process uses a soft credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a hard credit inquiry. This hard credit inquiry may impact your 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 explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I tried logging into the account to updated the information and to see what the balance was to see if it is matching up to what is being reported on my credit report. But I received this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX never made any attempts to contact me in reference to the account and give me a chance as a cosigner to make the account current.

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 2018-06-22 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: CT

Complaint narrative:
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XXXX ) and continued over the next months as per the agreement. However, in XXXX I was told by XXXX XXXX that they rescinded the offer made in XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XXXX and XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.

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 2018-06-23 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: PA

Complaint narrative:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and Transunion and XXXX their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

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 2018-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found out today ( XX/XX/XXXX ) via an email ( attached ) from Bank of America that it closed my credit card, one that I have had since XX/XX/XXXX. I called the Bank to find out why they closed my credit card and was transferred several times, before someone could respond. But, that person merely said it may have been due to primarily making minimum payments on my credit card ( but I also typically make large payments periodically throughout the year ) and also may be due to certain other " metrics '' that didnt seem to pertain to me. He listed several possibilities, none of which applied to my historical credit patterns. I have not been late on this credit card or any other loan for years, except this month. I was three days late on the payment to the Bank of America credit card this month. The payment was due on the XXXX and I paid it on the XXXX ( it posted on the XXXX ) - a simple oversight that has not happened for years and would not have happened if Bank of America had an intuitive automatic payment system and if I wasnt in the process of moving. My current credit report shows a perfect payment history on this and my other credit cards and loans. Also, I am not maxed out on any of my credit cards I maintain less than 70 % average usage of my revolving debt. Ironically enough, I received a mortgage offer ( also attached ) from Bank of America just this morning, before I received the email that it closed my credit card account! My primary concerns are that this account closure, through no fault of my own, will hurt my good credit score, which I have worked hard to maintain, and that it will prevent me from obtaining credit at a fair interest rate going forward. As this is one of my oldest accounts, it is sure to have a major impact on my credit score. Lastly, I can not help but be concerned that this is an act of discrimination on the basis of my XXXX surname because I see no sound business reason for this action.

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 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: PA

Complaint narrative:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX  and Equifax their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX and XXXX  their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
While trying to buy a house, my wife and I fell victim to an email scam / wire fraud. My attorney 's email account was hacked, and I was sent phony wire instructions. I followed those instructions and sent over {$260000.00} from my account at XXXX XXXX XXXXXXXX to a fraudster account at Wells Fargo. Wells Fargo contacted me the next day saying that there were some red flags indicating fraud, such as the name on the account ( a personal account ) and the name of the intended wire recipient ( XXXX XXXX of NJ ), did not match. I called the XXXX XXXX   and confirmed they did not receive payment, then went to XXXX  XXXX XXXX to recall the transaction. We filed a report with the police and they were able to tell us approximately {$2000.00} was stolen, the rest was frozen in the account at Wells Fargo. After and a lot of phone calls, Wells Fargo completed their investigation. In order to transfer the remaining funds, Wells Fargo required a Letter of Indemnity, which would basically cover them if they were mistaken to remove funds from the fraudster account. XXXX XXXX XXXXXXXX refused to provide the Letter of Indemnity. They refused to provide it because they feel that they are  not at fault and will not accept the risk. We are unable to recover our money from Wells Fargo

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 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have reasons to believe that Chase bank took advantage my of inexperience in obtaining credit cards.

I own a small construction company, and when I received a credit card offer for my company from Chase, filled it out unaware that just by signing the application, I was giving my personal guarantee. Usually, when a creditor requires a personal guarantee for a business account there is a separate perfectly visible paragraph with an additional signature. Chase intentionally obscured personal guarantee consequences in the fine print.

Only now I found out that in the fine print at the bottom of the credit application there was a mention that my signature personally guarantees the account. I wouldnt have signed it if I have been aware of this.

I never realized that Chase has done this until my company started having troubles and then my personal credit score started to go dawn. At that point I checked my personal credit report and discovered that it was going down because Chase decided to report our corporate account to my personal credit report.

Since Chase bank was not straight forward concerning personal guarantees in the application process, I believe they exploited me.

Company response to consumer: Closed with explanation