vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My inquiry  to the County Recorder of Deeds and U. S. Bankruptcy Courts confir med TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public recor ds may, and oftentimes are, reported by third party sources unaw ares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.   The Credit Bureau needs to provide me with copies of all documentation associated with thes e Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my   signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under "  Public Records '' n eeds to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the  Federal Law, you ha ve exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act  623 ( a ) ( 3 ).    Per  the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) -  all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.   I have given TransUnion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.   I am hoping this matter will result in the removal of the bankruptcy from my 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 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An unauthori zed Personal Line of Credit was opened by Wells Fargo. The y were contacted, admitted fault over phone, closed account, and opened another unauthorized line of credit. It is char ging 8 percen t interest and deducts {$65.00} out of my account automatically without authorization.   They have been contacted over the phone and in writing but will not resolve the problem.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX   XXXX   Inquiry   XXXX / XXXX /  XXXX  .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to    XXXX    on the evening of  XXXX / XXXX /  XXXX   to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what deals I may qualify for and the applicable terms. He tried 3 times to  CONNECT  with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an hour of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was because no  one  from their end ever called or chatted with  XXXX  or myself. To date,  XXXX / XXXX /  XXXX  , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the  credit score th at was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XXXX / XXXX /  XXXX  . I expect for the inquiry to be deleted IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
we calle d Wells Fargo to  get a payoff in full amount to pay of the mortgage, paid it off on Tuesday  X/XX/17    to get a phone call from them telling us it was about   XXXX short!!!! !!!   Then we pay that and they charge a fee!!!!!!!!!! of  XXXX !   we are so glad to be done with this horrible company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Received payoff letter for loan with projected payoff date of  X/X/17    and title company attempted to tender payment on  X/X/17    but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00}  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Over the last year I have contacted  Collection Bureau of America three different times via US  Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
With all due respect, I now understand from speaking to "  XXXX  '' with TransUnion on  XXXX / XXXX /  XXXX   at about  XXXX  PM she advised me thatTransUnion validates this information from the  US  Bankruptcy Courts. I ask was she very sure and she assured me that was correct information. I specifically asked if you ( transunion  )  called   XXXX   to validate or verify this info and she said " NO '' this information as either obtained through the Courts itself or through a  XXXX  party provider by the name of  XXXX . Having said that, I reached out to  XXXX  and they advised me that my file there was locked so then I sent a certified letter to the courts and received a letter back stating they DO NOT provide Bankruptcy status ' to the Credit Bureaus, please find the attached document. I would now like to know How was this really verified, whom at your company verified this information, what date this information was VALIDATED, and the steps involved in " VALIDATING '' information from a dispute. I have gotten different answers every time even through the CFPB.     I would like for TransUnion to VALIDATE this as being accurate and provide me all documentation that made this Bankruptcy Mine.     I hereby request a Full Investigation of this and expect to have results within 30 day as this is the time allowed under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My  Citibank Loan, w hich was opened in  XXXX  for my college term of  XXXX , was never once paid ( not  one  penny ) so I technically 'defaulted ' on this loan in  XXXX . While I know that this is n't a great thing to do, my financial health right out of college was not great. Forward to  XXXX   XXXX  of  XXXX  and this loan magically appears on my credit report. The " Date Account Opened '' is correctly listed as  XXXX   XXXX , but the " Date Account Closed '' is listed as  XXXX   XXXX ,  XXXX  - 3 years after I defaulted on this loan. This coupled with the fact that it just recently appeared on my credit report makes it seem like a recent debt that I have defaulted on, which is NOT CORRECT as this was defaulted on 4 years ago at this point.     Also, listed in the details on my credit report is a note saying that " payment is deferred until  XXXX  ''. I have NO IDEA where this date came from because, like I have already stated, this loan was defaulted on in  XXXX . I have not had any contact with deb t collectors about  this loan, so I am not sure what person magically picked that date out of the air for my loan to go into repayment 5 years after I was supposed to start paying it. I would love to see this fake agreement in writing or some explanation!     I am guessing that this is an attempt f or Citi to f orce me into repaying them by " re-aging '' this debt, but I ca n't be sure. In any case, this old defaulted loan ( again, defaulted in  XXXX , never paid them  one single  penny ) is appearing on my report as only being closed a few months ago, which is NOT TRUE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I lost my job in   XXXX  , I contacted the Home saver program here in  XXXX   XXXX   I  was granted 24 months of assistance the Home saver program paid over {$22000.00} on my mortgage  to Wells Fargo, My balance on my mortgage as increased instead of deceasing. I am still havi ng a hard time making my payment. I will sent a letter fr om Wells Fargo st ating I will need to pay my mortgage  XXXX   XXXX . I called them to see how much I would need to pay per I got another letter stating my escrow was short by a few dollars and they were offering me  2 chooses, I wanted to discuss this, when I called I was told I was two  months behind in my payments. I applied for a loan forbearence only to be turned down. I would like my mortgage case looked at. I think something is going on with my balance owed and too see why they will not help me till I get on my feet. could  some one  please help me. I dont know the right words say but I need 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 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Saturday,  XXXX   XXXX ,   XXXX   my husband and I went to the  PNC  Bank in  XXXX   XXXX  in  XXXX , DE at abou  XXXX   XXXX   XXXX  . My husband went in side because I just worked a double at   XXXX   XXXX   restaurant. We were depositing the money from that night. He went up to the right atm to do atm cash deposit. The cash insert opened it took the the money {$120.00}  (   XXXX   XXXX   ) in  the machine took my money then it said " your transaction ca n't be processed at this time ''. It spit the card out and ended the transaction. There was no one available to help me after hour so I was out of money for  XXXX  weekend.   I went to the bank today and asked for th e Branch Manager . The teller told me there was n o manager in toda y. She directed me to a associate that told me I could n't get a credit of my money today and I have to wait up to 10 days to dispute. I am furious and very inconvenienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
keep getting letters from this company for services at  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc

Complaint narrative:
For more than a year ( since  XXXX    XXXX   indeed ) I have been unable to login to my  Paypal account as Paypal restricted my login with arbitrary and illogical reasons, and as I moved and changed my landline phone number, I can not receive the nonsense automated phone call to my original phone number on file with Paypal . In addition, I have a balance of around  XXXX  Euros that I am unable to withdraw because of this unexplainable limitation and the most regrettable matter is that I can not send or receive payments via  Paypal. Besides, my bank account can not be used for another Paypal account as Paypal does NOT allow the same bank account to be used in more than a Paypal  account, which is really a stupid limitation!   I point out that NOBODY other than me entered my Paypal account  XXXX  XXXX  XXXX  and if Paypal suspected of an unathorized access, that is erroneous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I am  XXXX  and do n't think I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is against Chase Bank Credit Card. I always pay my balance in full ; last statement was for {$1100.00} ; I paid {$1100.00} because there was an outstanding credit that had not been posted. I was NOT TOLD that if that credit was disputed by the vendor, I would be charged an interest on the full amount of the statement. I call this FRAUD AND ABUSE OF CONSUMER CONFIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I feel that trans union is artificially holding my credit at a lower level to force me to pay higher interest rates. I will be forwarding a copy of my credit report to both the  U.S Attorney and the Nevada States  Attorney.

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