vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have multiple inquiries on my credit report that were unauthorized. There is no way that someone should of been able to access my credit file this amount of times unauthorized.   Experian should delete these back to back inquiries asap.     Account name   XXXX   XXXX   XXXX   Date of request ( s )  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 / 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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 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: NC

Complaint narrative:
I have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it

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 2017-06-13 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: NC

Complaint narrative:
I have submitted an identity theft block to Experian, XXXX, and XXXX XXXX. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it

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 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).

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 2017-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.

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 2017-06-13 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:
The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.

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 2017-06-13 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: MD

Complaint narrative:
XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , MD  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I have been disputing  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  for over a year and to no avail they have not validated the debt that they are reporting to the CRA 's Experian and  XXXX .     I have received documentation that  XXXX   XXXX   XXXX  is now managing my account and they are soliciting information from me regarding the account to assist them with verifying and validating information they should already have.     It is also apparent that these companies are all entities of  XXXX   XXXX  and rotate the accounts around when they are demanded to validate it.     Correspondence letters that have been sent to me have inconsistent addresses and paperwork submitted as their version of verification.     I have also found that these companies have been suspended from collecting in the state of Maryland in which I reside. Proof will be in the attachments provided.      XXXX   XXXX  and  XXXX   XXXX ,  XXXX  need to be removed from my credit report managed by both Experian and  XXXX . Both of these CRA 's are in violation of FTC, FCRA, and FDCPA rules.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Comerica
State: TX

Complaint narrative:
Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
To Whom It May C oncern : Please be advised that pursuant to the Safe Homes Act, I had to end my lease early at  XXXX   XXXX  in  XXXX , IL because there was a credible imminent threat of   XXXX   XXXX     (   XXXX  ,  XXXX  and   XXXX   ) against me on the premises. My ex-boyfriend,  XXXX   XXXX , had been  XXXX ,   XXXX   and   XXXX   XXXX   to me while I was living with him at this property. This forced me to leave the home and to start living with my parents. Because he was still in the apartment, I could no longer return to it since it would have put me under a constant threat of  XXXX ,  XXXX , or   XXXX   harm by him, and it was no longer safe for me to live in my unit. I have a two-year order of protection against him and can provide you with that documentation, if necessary.  <P/> I vacated my apartment at   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , IL  XXXX  on    XX/XX/XXXX    under the protection of the Illinois Safe Homes Act. All of my belongings were removed from the unit that day, and my keys were turned in to the management office. As a victim of   XXXX   XXXX   by my roommate in this apartment, I am protected under this law and have the right to terminate my lease early with no further payment required because of a credible, imminent threat of further   XXXX   XXXX    <P/> On XX/XX/XXXX , I disputed the attempt by  XXXX   XXXX  to collect a debt for the rest of my rent through the debt collection company  XXXX   XXXX .  XXXX   XXXX  stopped contacting me due to my cease and desist request. However, the collection was placed on my   XXXX   and  XXXX  credit reports on  XX/XX/XXXX  .   This is why I am submitting a dispute with you today.  <P/> Thank you for your attention to this matter.  <P/> Sincerely,  XXXX   XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
<P/>
The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
<P/>
I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.

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 2017-06-13 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: TX

Complaint narrative:
XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I started receiving numerous robocalls from  Southwest Credit Systems  several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all  3  of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ).  I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from  XXXX  twice in a row on  X/XX/17   , from  XXXX  twice in a row on  X/XX/17   .  XXXX  2 times in a row at  XXXX  and 2 times in a row at  XXXX  and  XXXX  on  X/XX/17   . From  XXXX  on  XXXX  and  XXXX . They called 6 times from  XXXX  on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and 6 times from same number on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX ,  XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.

Company response to consumer: Closed with explanation