vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do have have a XXXX Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX  balance on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, Experian did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my Experian scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current Experian Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for 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 2018-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a  foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has come to my attention that an old account from XXXX XXXX XXXX XXXX has been recently reported as late. This account was charged off in 2012 and has not had any subsequent activity since then. For the past 3 months you have reported me as late, however this account was charged off. I have called the bank and verified that there has been no recent activity and the only activity that should be reporting is a charged off 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 2018-10-06 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: VA

Complaint narrative:
I constantly contacted Transunion and the creditors to remove the 90 inquires from my credit report they where done without permission through a car dealership, I even told the bank I didnt give them permission to run my credit. I just get sent in circles and nothing has been done at all.one sends me back to the other ones

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY

Complaint narrative:
From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. 

They have accused my co-workers, my self and other associate with me of all sorts of allegations.

They have contact my wife and family members about this allege debt.

This is not my debt and I want the harassment to stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has placed a derogatory remark on all 3 of major credit report companies. It is a medical bill reported from XXXX  Hospital XXXX XXXX for services dated XX/XX/XXXX. The patient 's name is my adult daughter who listed me as an emergency contact, not a guarantor of her charges. I do not recall ever having signed to pay any of her bills since she reached 18 years of age. 

I have attempted to contacted the collection company, XXXX  Hospital XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None will provide me with evidence that I signed to guarantee her bills. XX/XX/2018 I spoke with XXXX XXXX 's office. Employee stated the computer listed my name as guarantor but was not able to provide me with any documents proving this. She was unwilling to remove me as guarantor. She stated that my daughter would have to have me removed. Daughter who had not been speaking to me since XX/XX/XXXX answered my text and denied she was ever aware of money owed to XXXX XXXX. After making several phone calls, daughter stated that several people told her there was no money owed. Daughter had my name removed from computer as Guarantor but no one provided her with a signature that I had ever agreed to cover her medical bills. In XX/XX/XXXX and XX/XX/XXXX I filed disputes with all 3 Credit Report Agencies. The derogatory remarks were removed only to return in XX/XX/XXXX under a different reference number. XX/XX/XXXX I received an email that XXXX  determined it was my debt. To date, no one has ever provided me with a document showing my agreement to pay my daughter 's debts. The derogatory remark remains on my credit reports. 

After several attempts to contact daughter and her husband, my husband received a text that she had already done all she could do to rectify the problem, including paying a small amount toward the debt. As they are no longer having any contact with us, we have hit a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: GA

Complaint narrative:
I have requested copies of my credit report from the three credit bureaus. One of them, TransUnion has lowered my score since my first request three months ago. Additionally, some of my accounts have not been properly adjusted since they have been paid off.

My ability to obtain a house has been severly hampered as a result of the inaccurate rate placed on my 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 2018-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a Wells Fargo customer. On XX/XX/XXXX, I made six small purchases under on XXXX under {$10.00}. My Wells Fargo balance was about {$200.00} at the time, easily enough to cover these purchases. The same day I wrote a rent check for {$920.00}, knowing I would be able to deposit the funds to cover this check within 12 hours. 

Before XXXX XXXX on XX/XX/XXXX, I wired {$1600.00} to my Wells Fargo account. I checked my Wells Fargo balance and the money I had just wired was fully cleared and available. There were no overdraft fees marked on my account at this time. 

A day later on XX/XX/XXXX I checked my Wells Fargo account again to find out that I had been assessed not one, but three overdraft fees of {$35.00} each, totalling {$100.00}. Wells Fargo has creatively decided to debit my rent check first, putting me in the red, and then debit two more paypal transactions, putting me farther in the red, as a means of justifying the multiple overdraft fees. 

1. These fees were assessed after Id put in funds to cover the payments Id made. 
2. My payments were reordered from the way I made them, so that Wells Fargo could justify multiple overdraft fee charges. 

I contacted Wells Fargo customer service very politely and a friendly agent apologetically said she understood my situation and offered to refund {$8.00} of each of the fees totalling {$26.00}, which I accepted. I asked her what I could have done differently and she said nothing, and actually thanked me for being a good consumer. 

I am writing to try to get the rest of these fees reversed, in the amount of {$78.00}. It isnt a huge amount of money, but I believe it was taken from me wrongfully. My motivation for complaining is obviously financial, but I also believe I have a civic duty to add my story to the public record in light of the shameful history of consumer unfriendly behavior at Wells Fargo. Despite their repeated settlements with the government for wrongdoing, this misbehavior continues. 

Thank you for the good work you guys are doing at the CFPB

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 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
1 ) I submitted my Income Based Repayment paperwork within a few days of receiving the request from XXXX. Two moths later, my payments reflected that it hadnt been received. I called and was told my paperwork was received too early so processing it was put on hold. It was then processed but my next payment amount due could not be edited to reflect this. I had to put my loans into forbearance, suspend direct debit, make another call to manually enter my payment. I spent multiple calls and hours trying to make sure I didnt have my bank account drained by an incorrect payment. 

2 ) Additionally, apparently when my account was transferred to XXXX I made a payment which I was told would count towards my pslf when I was placed on administrative forebearance ( without my knowledge ). Apparently that payment in some way was applied to future payments and for the past 18 months those payments would not have counted towards pslf because a paid ahead status disqualifies one from being a qualified payment. I never asked to pay ahead. In fact, the representative told me that all loans have this default option to pay ahead. Why would a company servicing my loans for the sole purpose of administering the pslf program have an automatic or default setting which disqualified me, the customer, from the program? I had spoken with representatives multiple times in the 18 moths during which my payments were apparently not qualifying payments and this was not made clear by any representative. Supposedly paperwork was submitted to retroactively remove this disqualifying status and make the payments qualifying. 

3 ) The system which allows for review of qualifying payments needs a separate complaint as I requested a review in XX/XX/2017 and ten months later it is still waiting to be processed to answer why many of my loans have varying numbers of qualifying payments applied to them. I was told this process is now taking 12-16 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: OR

Complaint narrative:
Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 
I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that  they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 
I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. 
In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue.

Thank you for your time and assistance in this extremely important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. 

This is a continuation to complaint XXXX I filed in XX/XX/2017. Navient says they have no record of my filing this directive with the company and continue to dishonor my request, even after speaking with them on the phone numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: TX

Complaint narrative:
I have written letters in which they claim they have not received. I have requested investigation because I know these accounts are not mine but to no avail. Transunion reports 14 loans. I spoke with XXXX who claims they did not double report and that I only have 7 loans in the system and they have no clue why these accounts are there yet Transunion shows they recently reported these accounts as of XX/XX/2018. XXXX did however send me proof of what they have in the system which drastically differs from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/2018 I paid a collection to XXXX XXXX for {$590.00} as they instructed me over the phone.

They said the collection was now settled and that they will send me proof as well as withdraw the lawsuit.

As of today they are still claiming I owe them {$92.00} and they never sent any written verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
DO NOT DO BUSINESS WITH CAPITAL ONE. On XX/XX/2018, I was fraudulently charged by a phony organization in the country of XXXX, for supposedly driving something like 12 mph over the speed limit. My car was stopped by a phony policeman who said I could pay or I would go to jail. I could barely understand what he was saying. The form he put in front of me was only in XXXX -- NO ENGLISH. The amount on the form was XXXX ( XXXX XXXX  XXXX ) XXXX   Kroner  ( about {$10.00} ). He demanded a credit card, not cash. So, I gave him my Capital One credit card. When the Capital One bill showed up back in the USA, it had been billed {$800.00}. I disputed the charge to Capital One. On the chargeback reply, sent to Capital One from this place, the amount had been CHANGED to XXXX ( XXXX XXXX XXXX ) XXXX Kroner ( {$800.00} ). They had MODIFIED the original form, adding English and changing the amount by changing periods to commas. I still have the original form, all in XXXX, which clearly shows periods -- not commas. I sent a copy of the original form to Capital One, but they took the side of this fake police department, with their changed form, from this very remote area of XXXX. In addition, I told Capital One that my drivers license isn't even the one on the form. I was given the ticket because my name was on the rental agreement. I sent a copy of my drivers license to Capital One to prove this. The lady at the local XXXX XXXX XXXX ( the reason we had gone to this remote place ) explained that this was a 'tourist trap ' targeted at rental cars. She said there wasn't even a town. I explained all this to Capital One, but Capital One has taken their side. My credit rating is in the 800 's. I have never been late for a payment, in more than 50 years with credit cards. I'm XXXX years old. With my company, I've charged hundreds of thousands of dollars with Capital One, over more than 30 years. I thought they 'had my back ', but they take the side of a phony organization in another country. From what I've read, from the complaints posted here, it seems that Capital One will always side with the so-called 'merchant ' over the credit card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.

Company response to consumer: Closed with explanation