vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services
State: IL

Complaint narrative:
Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cash app account Visa card was hacked and funds taken. Tried contacting Cash App but they don't have live customer service to speak with. It only communicates by email and the email is generic and no response or days later and again generic reply and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I came into a location other than my normal location to cash a money order drawn on Wells Fargo. I brought in the receipt from original purchase of money order and they told me they had the discretion to not cash it so they didnt. The interesting thing is I have never had this issue at my home bank in the last 8 months with much larger transactions. When speaking with the manager there was no just cause for not cashing other than prejudice or discrimination nothing solid or factual!

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 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2013 I obtained a cashiers check using {$23000.00} from checking and {$160000.00} from savings. I was assured there was no expiration date. However I was never told about escheating. I realized I needed more funds in my checking so I returned to bank and had {$3000.00} put back in checking and was given another cashiers check for {$160000.00} on XXXX XXXX and was again assured there was no expiration date. Last week on XXXX XXXX I went back and told them I want this cashiers check put back in my savings acct. I was then offered a private clients account ( which at the time I did not know is not federally funded and based in Texas ) Banker had me type last 4 digits of my SSN in her computer or this private client account.She then left with my check several times and was given a number by another employee. Check was run through and she left again with my check. She then went back to her computer and said my check is unclaimed property in Ohio and told me to go home and see if my name came up.I could not find my name in Ohio or Ca where I live.I went back to bank and was told it is Texas. I later found out  the clients acct is in Texas. I also got a case # by phone from Ohio and also the name she was e-mailing to the person in bank which was the same name I was in contact with. I was told another employee was waiting for the e-mail. I was told they would call me back. I never received any calls and my calls have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My identity has been jeopardized because someone stole purse and I reported this issue to the credit bureau and now this is showing up

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 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened a new account with US BANK, and after depositing cash and making a few purchases a fraud hold was put in my account and I was unable to use my card. I had previously clarified what the daily spending limit was and I did not go over it, so there was no reason my card should have been disabled. In additon, I had ordered a cell phone as I Have been robbed and needed a new phone, and because my card was disabled my order was cancelled, my card was charged twice, wheras it should have only been only charged once. I went into a branch and confirmed with the card resolution team that the correct amount from XXXX XXXX XXXX was {$100.00} amount not the the {$69.00} amount. This amount has been debited from my account. Had I not put my money in the bank and made this purchases in person with cash I would not have any problems accessing money that is actually there

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 2019-06-24 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: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
Tidewater Finance company has reported inaccurate credit reporting information of amount owed since 2016. I have contacted Tidewater by mail as well as submitted two ( 2 ) disputes to XXXX, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. Tidewater Finance Company is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is blocking lenders from pulling my credit report for a mortgage. Two different lenders have tried several times over the last 3 months, always receiving this error message : Inquiry information identified as fraudulent by consumer. When they call Equifaxs business support line, available only to lenders, they are told that I, the consumer, must call the consumer support line. I have done so many times, speaking to many people over the last 3 months, and each time Im told that there is nothing no flag, freeze, block, etc. preventing the lender from pulling my report. They say they know nothing about the fraudulent error message, that only the business support team sees that, and they refuse to allow me to speak with that group. Interesting that one lender was able to get my report in XXXX, but when he tried again in XXXX, XXXX, and XXXX received that fraudulent error message. I am about to lose my home ; I have already had one lender give up and pass me off to another lender because hed reached the end of what he was willing to do, given the constant finger-pointing back from business to consumer support. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the XXXX   breach!!!! 

XXXX XXXX XXXX XX/XX/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 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have contacted PayPal about a payment sent to XXXX XXXX for {$150.00} and in the description I put that it was a payment for concert tickets which I never received and they blocked me. I tried to contact PayPal for a refund but they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Received a letter from XXXX XXXX stating I owed a debt that I dont owe. They are using strategically misrepresentations of the facts to imply they are a law firm not a debt collection agency. 

I told them I was the victim of identity thief. 

I stated the debt was not valid and requested they produce competent evidence that bares my signature to prove I owe them a debt. Future more until they are able to produce valid documentation they do not take any future actions. 
The phone representative told me she could send me an invoice. I requested a signed agreement with my signature. She told me they had no legal obligation to provide such a document. 

Since the voice recording at XXXX states its a law office and the phone representative reaffirmed it, I told her to transfer the call or have the lawyer in the office call me. She told me no lawyer is going to call or is in the office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an introductory offer. I just bought a new homeand was renovating the heater and AC. XXXX representatives were here offered me credit at at 9 % the Wells Fargo offer was for 0 % no teanfer fees so I called Wells Fargo on my cell phone, the agent took my information but told me that i only qualify for XXXX XXXX dollars. So i advised her that i did not want the credit card and she asked me if i deined the card which i said yes. I received a bill which i didn't open stating that XXXX was sent to my XXXX card. I noticed an XXXX repayment on XXXX, they adbised me that Wells 3sent the electronic payment so XXXX card resent the payment which Wells Fargo told me to hold on to it. Now i have been trying to get resolution and today i called again a d was ts that Wells Fargo doesn't send out resolution letters, theres3no phone recordings and i am out XXXX, i can't speak to anyone. I need help grom these thieves.

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 monetary relief
Consumer complaint received 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had a XXXX XXXX account closed and completely removed from transaction. A few months later it was put back on my credit report with a new start date. I wasnt given any type of 5 day notice of reinserting, section 6-11 of fair credit. I also for some reason have child support as a job & thats not correct. I also have numerous inquiries that arent attached to any files on my credit that I needed removed. The lady XXXX XXXX stated she cant help me in any way possible but she can delete the incorrect job info.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
I received a letter about a debt on XX/XX/2018. I sent the company a letter asking to verify the debt. The did not reply. I received a similar letter on XX/XX/2018. I sent them a second letter asking to verify the debt. They did not reply. I received a third letter from the last week and am not sure what to do. They have not replied to my letters asking to verify. They just keep sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc.
State: VA

Complaint narrative:
calling and emailing with threats to collect from my business some debt for a person that has no relation to my business at all

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 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one,  instead, my reports are now showing 11 inquiries, one from each bank, if they  were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

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 2019-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval.

I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days.

This is the second time a dealership has shopped for approvals and rates for me that this has happened.

There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

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 2019-06-24 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: MI

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate credit reporting information of amount owed since 2016. I have contacted XXXX by mail as well as submitted two ( 2 ) disputes to Transunion, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. XXXX XXXX XXXX is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the equifax breach!!!! 

XXXX XXXX XXXX XX/XX/1961

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My account had {$0.00} balance briefly for only 3 days ( non XXXX for all other 2+ months, see attached ) and Wells Fargo closed my account, without any prior notification in any form. My average account balance has been positive the entire time ( average balance over statement period is what most banks use from what I've seen ) and I have been having it as my salary direct deposit account. I believe they just want to avoid issuing my account opening bonus of {$400.00} which I have satisfied all requirements so far ( > {$3000.00} direct deposit within 150 days and positive average balance ). Please see the screenshots attached of multiple communication efforts with the company without success and the account history.

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 2019-06-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A company I hired to correct information on-line never corrected it and kept charging me their monthly fee after I canceled service. It took them 8 month to eventually prosses the cancellation only after I have to close the card to stop them from charging it. 

on XX/XX/XXXX they charged {$1800.00} and on XX/XX/XXXX {$250.00} and even after they closed the account they charged {$770.00} on XX/XX/XXXX

Company response to consumer: Closed with monetary relief