vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX  ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax if the worst credit reporting agency! need your help once again in rectifying my credit report of a MEDICAL collection. I cant get a complaint lodged online no matter what avenue i try. I tried free annual credit report and equifax system does not recognize my credit report number! Tried calling them and got through to call center agents based out of the XXXX! Asked to speak to a supervisor called XXXX and she was extremely un-knowledgeable about US consumer debt laws and did not even understand what I was trying to dispute. If you are going to hire people, hire people that understand ENGLISH! 

Please help. I have been trying to get this MEDICAL collection removed off my EQUIFAX report. All other credit reporting agencies have removed it, except EQUIFAX! 

The original reporting company reported the debt incorrectly to my insurance company and my insurance company showed a XXXX balance on my account. I can attach PDF if this website allows. I have also contacted my State Attorney General Office as well as all of the Congressmen in my area as well as others in the country as I am NOT the only one having this problem with EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Recently got an American Express/AMEX Gold card with a {$250.00} annual fee. That card is advertised as providing 4x membership rewards points on U.S. Restaurants and U.S. Supermarkets ( up to $ XXXX in annual spend ). The restaurant transactions routinely code improperly, as XXXX points, even though the establishment 's coding to AMEX is clearly listed as " Restaurant-Restaurant. '' About 30 % of charges on my last 3 statements code improperly. Many of these are third party processor issued transactions, such as from XXXX or XXXX, but not all. I have opened two customer service cases with AMEX. I've called in 4 times, and chatted via online chat 1 time, for updates. This is over a 6 week stretch. They keep stating it'll be 2-3 weeks upon which I'll get a call, but I have not. I remain unable to gain resolution on this issue. 

This issue has been reported on many major travel sites - from XXXX to XXXX, as well as on the XXXX AMEX forums and on multiple XXXX   pages. It is beyond unacceptable that a company such as AMEX can not appear to be able to systemically remedy this issue or handle customer service for it, appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter to Experian and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from XXXX XXXX account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. Experian responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and XXXX XXXX directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both Experian and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.

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 2019-01-06 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: GREAT LAKES
State: NC

Complaint narrative:
I wrote a letter to XXXX  and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from great lakes account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. XXXX responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and great lakes directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both XXXX and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was on the Wells Fargo website and it basically has a banner for government officials going through hardships. I called on XX/XX/2018 and spoke with a nice gentleman explaining if next month as a government official how are you Wells Fargo helping those victims? And his response was we will waive late fees but not defer payment so credit is not effected. After all Wells Fargo knowing that it was defrauding customers to the point of then CEO stepping down and I believe having to give the money back. In my opinion if Wells Fargo is trying to help the American people then why are they not giving extensions so credit ratings are not impacted by the call on Mr President to close aspects of government.

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 2019-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I attended XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around lateXX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the Registrar, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.

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 2019-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a partial payment of {$800.00}. On XX/XX/XXXX, I made the remaining payment. Next full payment that went through was XX/XX/XXXX, I had not noticed that a check I deposited had been returned. I continued to make on time payment from XX/XX/XXXX through XX/XX/XXXX. In XXXX and XX/XX/XXXX, I got hit with a 30 day late on my credit report. XX/XX/XXXX, I was hit with a 60 day late on my credit report. XX/XX/XXXX and XX/XX/XXXX, US Bank hit me with 30 day lates again. I had talked to US Bank to have the 4 of  the 5 late penalties from my credit report. they said that they couldn't do anything. I tried to explain to them that only one should've been reported not 5 of them.

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 2019-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began  receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX military member. 

XXXX XXXX XXXX  PUT AN XXXX XXXX XXXX a third party collection, not an attorney on my credit report without notifying me of anything. This third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit. I had an 11 month lease. I purchased an investment property and notified XXXX XXXX XXXX that I was in escrow and I was not renewing my lease and moving out. The contract amount/rent was {$2100.00} and XXXX XXXX was raising all tenants rents anywhere between {$2200.00} - {$3400.00} due to the renovations they were making. I paid my contracted XX/XX/XXXX -XX/XX/XXXX rent amount to XXXX XXXX XXXX for the month XX/XX/XXXX ( {$2200.00} ), returned the keys and the unit was move-in ready. XXXX XXXX was not able to get a tenant into the unit and tried to bill me for the vacancy - first {$920.00} and a third party put on my credit report that I owed {$3400.00}. I reached out to XXXX XXXX XXXX and their parent company XXXX XXXX for litigation, however, have been given me the run around. 

My security deposit was kept. I told XXXX XXXX XXXX   back in XX/XX/XXXX that I would not be renewing my contract and they tried to pressure me into renewing the lease. I never renewed the lease and told them I would be moving out in XX/XX/XXXX and I did. Another Veteran and I cleaned the unit and it was move in ready. 

No 60-day Notice of Intent to Report to Credit was received by the XXXX XXXX XXXX XXXX XXXX. I was not properly notified. Per U.S.C. 3711 ( e ) ( 1 ) ( C ), I am  entitled to a complete explanation of the debt, to dispute information in the records about the debt, and I am entitled to an administrative repeal and review of the debt. The XXXX XXXX XXXX XXXX XXXX ignored the " Justice/Treasury Federal Claims Collection Standard '' I asked for documentation ( a full copy of the lease agreement, accounting ledger explaining how the claim was calculated ) and have not been provided with the documentation requested. I also have been given the runaround by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need the proper point of contact to respond to my complaint regarding violations of the FCRA and FDCPA. Their false reporting lowered my credit score and has prevented me from obtaining housing for my family. I also contacted the attorney general for an investigation for consumer fraud against military members and civilians.

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 2019-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I went to purchase a new house using WellsFargo which was my current loan holder. They had pre-approved me for the new house loan. As we started the process, they sent me an email on FHA Loans and after taking the test, I would be able to receive {$750.00} credit towards my closing. After taking the test and sending Wells Fargo all the documents they needed, they informed me they needed more information due to a large check that was written off of my account. After providing explanation, everything seemed to be going great and I was set to close. Two weeks before closing they told me they couldn't approve my loan unless they got more documentation to confirm the check amount and why it was paid at that time. I talked to the HOA and they provided documentation that was needed. All the information that was asked, I provided and they told me a few days later, they were denying my loan. All this started on XX/XX/XXXX and my close date was XX/XX/2018. On XX/XX/XXXX, the loan was officially denied. When all this occurred I started working with a new loan company and never had a problem with this process. I feel like there was some discriminatory actions that was taken against me in denying my loan. My credit is great and payment history in the past with Wells Fargo has been top notched. Never missed a payment nor was I ever late. In fact I always paid extra. The emails that were sent to me seemed very degrading and to the fact that I was not good enough to get a loan through Wells Fargo.

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 2019-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
On XX/XX/2019, the law office of Peroutka, Miller, Klima sent a legal order to XXXX XXXX and had {$750.00} taken out of my account without my authorization and XXXX XXXX let them do it. Today on XX/XX/2019, the law office took out another amount of {$130.00} leaving me in the negative on my back account. I called both the law office and XXXX XXXX and they could not give me an answer of why I was not notified on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY

Complaint narrative:
I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.

Company response to consumer: Closed with explanation