vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've requested via online disputes as well as calling the credit bureaus to delete two incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Todd, Bremer & Lawson, Inc.
State: TX

Complaint narrative:
I was attending  XXXX  University and I had to drop out out of school due to my mother having  XXXX . Because I dropped out  XXXX  University sent me to a loan collection agency which I did n't understand because it usually just goes to my Federal Loan account with all the other loans I 've taken out. I made a few  XXXX  dollars payments to  XXXX  but I 'm assuming that was not enough because they sent me to collections wi th Todd Bremer and Lawson, INC.  When they contacted me about setting up payments in  XXXX  of  2015  I agreed for them to take out  XXXX  dollars each month. It is an automatic draft so I have been paying every month since. However when I questioned them about the  XXXX  hundred dollar fee they where charging me they just told me it was because of late fees. I let it go but now I 'm starting to wonder if those fees are even legal.  XXXX  hundred dollars is a lot for a loan that I thought was under Federal school loan and not a loan from the school. The school sent me only one notice before they sent me to collections and even then I sent them a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One refuses to credit my account ( now closed ) for fraudulent charges from XXXX dating from XX/XX/XXXX to XX/XX/XXXX. The contract with them promised {$0.00} liability for fraudulent charges. The amount of unauthorized transactions total {$2900.00}. I have called three times and each time they assured me the disputed transactions were credited, they were not. In addition, I wrote four times concerning the matter with documentation. They have not responded in any fashion. Case # XXXX. I 'll attach a list of disputed fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

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 2017-07-01 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: GA

Complaint narrative:
I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

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 2017-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
I received a copy of my credit report in  XXXX  and have been requesting verification of items on my credit report. I went through the credit bureaus to request verification for these this item on my credit report - i received NO RESPONSE from this creditor, but received their contact information from the credit bureaus. After sending the letter attached to the creditor themselves, the response that they sent me in no way verifies that this item is mine. We have always had health insurance, and i never received a bill for this item prior to requesting information after it was reported negatively on my credit report. I do n't recall ever ever being to this facility. The timing of this also does n't make sense - it has me at the same place wit hin two weeks of another. I think i would remember being to a hospital almost 2 weeks i n a row. I think that someone made a mistake and this is not mine. I also do n't see how sending a bill verifies. Is it not possible that this belongs to someone else?

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 2017-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,

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 2017-07-01 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: OH

Complaint narrative:
XXXX   XXXX ,  2017  Consumer Financial Protection Bureau : TransUnion is inaccurately reporting information on my credit file.   The account number in question is #  XXXX , & the company is  XXXX   XXXX .   This account is not mine.   I do not owe  XXXX   XXXX  {$890.00}.   I have a police report regarding this incident & provided TransUnion a copy of it.   TransUnion said they investigated the incident but did n't find anything wrong with the  XXXX  account.   I requeste d Method of Verification  & asked for a copy of the documents they used to determine there decision.   I have n't received them yet & they are still inaccurately & illegally reporting this account on my credit report.   I called  XXXX   XXXX  on  XXXX   XXXX ,  2017 .  XXXX  confirmed they have no records of this account.   However, TransUnion is reporting that I owe  XXXX   XXXX   XXXX .   In closing, I want TransUnion to investigate this incident & provide me with the 'Method of Verification ' used to determine the facts of the matter.   XXXX  I want this account removed from my credit file.

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 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.

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 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have been yelled at and threatened today by an employee in Credit Card services after I requested to speak with a manager. My credit card has not been working properly and I 've jumped through hoops to get the problem worked out. When the card does n't work properly I call USAA they in turn tell me to try again having FULL knowledge that after a 3rd attempt it blocks and disables the card. Then it Flags the FRAUD department. Afterwards I ca n't use the card for several days and requesting a manager is Impossible if you expect a call back. I have patronized this once wonderful company and I 've only received 2 manager call backs in a 7 year period, after requesting it mor than 27 times. I want the CEO to receive this complaint and have someone competent communicate with me that does n't not fall into the Philosphy that the company is always right. Screaming and yelling and threatening a customer will get the response that a company should want to avoid. I have proof of the representative being condescending, threatening and truly unprofessional. This is the company supporting our Veterans and military that defends our beautiful country. Sad commentary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: GA

Complaint narrative:
XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report is inaccurate.

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 2017-07-01 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: WA

Complaint narrative:
On  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I have attempted to get something on my credit report verified  three times now. After zero response to my first inquiry through the credit bureaus from the creditor, I sent the letter attached to the creditor. I have been asking for clarific ation on  XXXX  different account numbers. In respo nse Wakefield respond ed to only  XXXX  ( but i am not sure which it is as the account number does not match what i have on my records. ) The response attached has me seeing a physician at a place i do n't recall being at. I think that this is an error. I 'm incredibly frustrated by the amount of time this is taking on my part.I am asking, and asking for clarification and verifcation and i am being ignored. This is affecting my getting a mortgage and this is NO T RIGHT. I should not have to ask the SAME question more than once. I never received a bill for this or a statement and to find it causing major harm to my credit score i s incredibly upsetting. I should be able to receive verifiable information that this debt does indeed belong to me and not to someone else. If this information does not exist. then this debt needs to be deleted. immediatly.

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 2017-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I do not have a contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I called into make my payments to Capital One on accounts ending in XXXX, XXXX, and XXXX. The agent who was taking a {$80.00} payment on account number XXXX, put in {$760.00} instead causing my bank account to be drained of all money and causing other items to bounce the account. After spending 3 hours on the phone with capital one and talking to 2 different Account managers all I received was " sorry, you will have to wait the 3-5 days for the bank to give you back the money. '' Meanwhile, they have left me with no money at all and my account now XXXX overdrawn for their mistake. Notes are all in the computer to what has happened. So, once again I ask for a credit increase. The accounts have been as follows : XXXX since XX/XX/XXXX,  XXXX since XX/XX/XXXX, and XXXX since XX/XX/XXXX with none of the accounts receiving credit increases. The account manager says, '' I do n't understand why you ca n't get a credit increase because I 'm looking at your pay history and you have excellent pay history with us. You even have paid everything off several times. '' But, unfortunately, I ca n't get you a credit increase until the accounts are current and that wo n't be until you get your money back from us and then there is no guarantee then that you will get the increase. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: PA

Complaint narrative:
immediately Following 2 yrs of unemployment, I Started working as an XXXX at a local XXXX XXXX  with a hire/start date of XX/XX/XXXX. My husband and I had just filed our joint income tax return for XX/XX/XXXX ' approx XX/XX/XXXX and was supposed to recieve our federal refund within 7-10 days. Approximately 13 days in, and have n't heard anything so I call the IRS and that 's when I realized our return was intercepted by Pheaa. It was n't until 4-5 days after this that i received notification via hard copy from the Irs. restating the interceptor/debt collector also identifying itself as pheaa. I was never informed by pheaa that my acct was in collections to begin with. I had ben given forebearances/deferments but never recieved notification of default. I contacted pheaa to inform them I had just started employment a couple weeks prior following 2 yrs of unemployment. According to their policy, they would n't seek further collections until i have ben employed for a continuous 12 months. So I would call back and set up payment arrangements when it got closer to the 1yr mark with my new found employer.. Well due to a protected Right, I was terminated from employment, having working my last day on XX/XX/XXXX, they suspended me and actually gave me a termination date of XX/XX/XXXX ( wrongful termination ) I never found employment until i found employment with a actual hire date of XX/XX/XXXX ( being unemployed for another 3 months ) I recieved my first pay check beginning in XX/XX/XXXX, and pheaa, without notification or informing me, had illegally began a wage garnishment on my paychecks not to mention by income tax return of {$5000.00} from back in XX/XX/XXXX that was mostly my husband because w filed jointly and he did no t owe debt.. I never knew that i could dispute the wage garnishment until XX/XX/XXXX. where i Had to send appeal to this attorney law office squire guy, for with my reason for appeal being checkmarked '' I was n't employed for a continuous 12months ''. Provided that I provide evidence that i had not ben employed for a continuous 12 months in order for them to stop wage garnishment. I provided them evidence from my current employer, where they confirmed by hire date of XX/XX/XXXX, and included everything for this wage garnishment to be stopped and this XXXX XXXX ( dcider of case ) was in favor of pheaa. I had proof of everything and i do n't actually think this XXXX XXXX looked at ... Them make matters worse, XXXX XXXX ordered pheaa to take 10 % of my monthly wages and they are taking double that out f my wages '' I make $ XXXX  month and they have ben deducting approx $ 400-560 a month

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: AZ

Complaint narrative:
Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX and XXXX  sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three  bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file

Company response to consumer: Closed with explanation