vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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: UT

Complaint narrative:
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX XXXX, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report 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 explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have settled this account, and have documentation showing account has been paid in full. Its putting a big mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I RECEIVED TWO LETTERS in the mail from XXXX XXXX XXXX in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
We opened an account with XXXX.

Our representative XXXX XXXX provided us with approved Vendors : XXXX XXXX. He emailed me the same day from : XXXX We hired XXXX to build us a custom website on XXXX within 10 days.

They have failed to do so. We did not receive a working website after 10 days. Even though we made all the payment and more before the deadline : {$2000.00} refundable deposit and {$1000.00} to receive the product.

They wanted {$2000.00} but we didn't want to pay all of it before we get the final product installed on our hosting. So we paid {$1000.00} even though it wasn't agreed according to our contract. Email with agreed amounts is attached as an image.

When we found out that the product DID NOT work and this may have been a scam, we contacted XXXX and asked for them to help resolve the issue. They closed our account and said that we need to resolve it with the vendor.

We tried to offer a compromise. Even though they finally agreed to {$2000.00} refund, they have failed to make the refund payment.

That is why we contacted discover and asked to dispute both charges. The letter to Discover with both case numbers is attached.

Discover ruled in the vendor 's favor 8 times. We have exhausted all valid disputes and that is why we have now filed a complaint with CFPB.

We would appreciate you help with this matter. We gave Discover a curtesy call and let them know that we have proceeded in that way. Discover representative agreed on XX/XX/2019 that it is an acceptable route to use additional resources for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: GA

Complaint narrative:
on or about XX/XX/2019 I noticed a medical collections on my trans union report. This is an invalid debt, and I believe a person with a name similar may have a medical account, but I have never visited an urgent care, nor have I ever been without medical insurance. Im not sure if the HIPPA laws would even allow TransUnion to verify this debt prior to adding to my credit report, as they are required to under the FCRA. So im not even sure how Transunion came to adding this account but it isnt rightfully mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information. 

On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill. 

I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof. 

My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA 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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am in the process of applying for a home mortgage. 

I misplaced my passwords and/or PINs for the three major credit reporting institutions : Experian, XXXX, and XXXX. So, to preface this complaint, if I had 100 % fidelity in regards to password/login/PIN management, you would not be hearing from me now. 

On Friday, XX/XX/XXXX, I spent ~ 90 ' trying to undo my error. I was successful with both XXXX and XXXX. The 45 ' I spent that evening working w/ Experian resulted in me reaching a dead end electronically and via phone. I was provided a piece of paper advising me to send ( via mail, no less ) a copy of my driver 's license, a copy of my original SS card, a bank statement with my address, and a utility bill with my address to Experian in XXXX TX. 

Due to being under some time constraints, I have spent ~ 45 ' on the phone with Experian personnel on XX/XX/XXXX and XX/XX/XXXX. Much of that time is on hold as Experian has many roadblocks in place to ensure that speaking with an Experian employee is difficult. Yesterday, I reached someone at the supervisor level who, I thought, was helpful. That individual instructed me to upload the above documentation to Experian ( via a web address ) and then call back the next business day. When I did that today to discuss my request for a new PIN number, I was told that uploading my documentation to Experian and then calling was not sufficient for their purposes and I was again advised to mail my documentation to them, whereupon my documents would be acted on within 10 business days and that I would receive a response via US Mail. As of this complaint, I have sent my documentation to Experian via XXXX XXXX  this afternoon. Included with that was a memo I drafted requesting a phone call and/or email response to expedite resolution of the impasse in which I find myself. 

I'm all for security, but I don't like being held hostage. This company is off the rails. I have the luxury of time prior to a potential closing date to overcome their lack of helpfulness. However, if this were not the case, my life could be substantially derailed by their inflexibility in the service of security. This is particularly ironic in the case of this company which has had at least one significant data breach in the past. In XX/XX/2019, for a company with this power to be doing all of their work via paper through the mail, is laughable from the perspectives of both wasted time and security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The school I attended and ultimately graduated from ( XXXX of XXXX XXXX ) was found to have been providing false employment stats to its prospective and current students. Ref : https : XXXX The regulation, also known as the borrower defense rule, relieves the borrower of the obligation to repay all or part of the loan and associated costs and fees. 
The regulation further provides : If the borrowers defense against repayment is successful, the Secretary notifies the borrower that the borrower is relieved of the obligation to repay all or part of the loan and associated costs and fees that the borrower would otherwise be obligated to pay. The Secretary affords the borrower such further relief as the Secretary determines is appropriate under the circumstances. Further relief may include, but is not limited to, the following : ( i ) Reimbursing the borrower for amounts paid toward the loan voluntarily or through enforced collection ; ( ii ) Determining that the borrower is not in default on the loan and is eligible to receive assistance under title IV of the Act.

( iii ) Updating reports to consumer reporting agencies to which the Secretary previously made adverse credit reports with regard to the borrowers Direct Loan. 

This private loan through Navient should fall under the same classification for loan forgiveness as the federal loan has already been reviewed. Upon approval I am also seeking compensation for funds previously paid to this institution and the damages associated to my credit and my co-signers credit corrected / repaired as job placement was not available to support the student loan financial demands..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: MO

Complaint narrative:
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: MO

Complaint narrative:
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
somehow a local hotel billed my credit card by mistake for a business associates room. They admitted this was a mistake and would reverse the charge - but have not yet done so. 

The problem is that Chase does not, and will not file a report or dispute on this, dispute the charge not being approved. 

The number given for fraud or to report a charge would only hang up. After 30 minutes trying other numbers I was finally directed to someone who directed me to someone else, who would not file a dispute, and when I asked to speak to a manager, he hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Have been trying to access my accounts online since XXXX XXXX XXXX-XXXX-19. Its now after XXXX XXXX. Still can not pay bills- transfer funds or check credit card transactions. Called Wells FArgo. System failure. No kidding! Since when can a USA bank just keep your information from you and not allow you to make payments- transfer funds or conduct banking? Wells Fargo is the worst. have all my savings, checking and business accounts with them. Please help this consumer. 
Just learned that debit card transactions are being declined. Are my funds frozen?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2018 I discovered an inaccurate item posted to my bill from XXXX. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX rep called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of  their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with 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 2019-02-07 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:
XXXX credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau Experian. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I received a collection letter from Grant & Weber from creditor XXXX XXXX for the amount {$210.00} which I do not recognize those chargers and I have requested prove of the service reason of the chargers. 

All my medical transactions are made trough insurance and family doctor I know for year so I'm not sure how this company got my information to send me a collection letter from a creditor I do not recognize. 

Please review document attached and thank you in advance for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/19 I received a phone voicemail stating that they were locating me and it was their final attemp or they were going to serve me with papers. I called the numb er back and they had record of my bankruptcy about when it was filed and discharged but told me that they were not included. I advised them that they were and offered to send over info they told me i can bring it to court. If they were not included then how would they know the info to my bankruptcy. They continued to call 5times afterwrds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX sold an collection account to XXXX XXXX with out proper legal documentation. XXXX XXXX   bought this account from XXXX XXXX XXXX and has no original records or proof of this account. 

These two companies have denied me the right to a copy of a signed contract or any proof of who opened this account. Both companies have denied me copies of all accounting of payments and copies of all statements showing on how amount due was calculated. I have sent a notice in XX/XX/XXXX first requesting these documents from both XXXX XXXX and XXXX XXXX and have been denied these documents required by law. It is not XX/XX/XXXX and I have yet to received these documents from either company. They both keep blaming each other and NOT having or providing these documents to me. 

XXXX XXXX does not even have a contact phone number on their correspondences they are mailing and sending to the Consumer Financial Protection Bureau how is this a responsible upstanding company? They sold this account fraudulently to XXXX XXXX with out due process, research and documentation. 

The reference numbers below show and prove that I have requested this from XXXX previously and they did not provide the documents requested according to FDCPA laws and guidelines XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX Ref No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TN

Complaint narrative:
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for Transunion Inquiry from XX/XX/XXXX ... Transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX - Transunion XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/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 2019-02-07 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: TN

Complaint narrative:
To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX  XXXX XXXX Inquiry from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX- Equifax

Company response to consumer: Closed with explanation