vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have disputed this entry with Sunrise Credit Services regarding them placing a negative entry on my credit report without providing a dunning letter that would allow me 30 days to dispute the validity of the alleged debt. Once I became aware that this entry was placed on my reports, I immediately began the dispute. I submitted to Sunrise via certified letter with return receipt a dispute requesting that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Sunrise did not comply. They sent merely a statement that was created on their letterhead and reflected an arbitrary number that did not have any documentation to substantiate it. The document they sent lacked veracity. Anyone can create a statement on letterhead and allege a debt is owed but in this case, this alleged debt is not validated. Sunrise should have provided a copy of the financial responsibility page from the provider that reflected my signature granting them permission to disclose/release medical information about me. 

In XXXX I resubmitted yet another dispute with this company by sending a certified letter with return receipt whereby I was still refuting what they were continuing to report. Tracking ( see attached ), reflects that this company received the letter on XX/XX/XXXX and to date has not responded. My request was twofold : for them to provide a copy of the financial responsibility page and 2, cease any and all reporting of this entry on the credit bureaus until I had validated the debt. Sunrise again blatantly disregarded this request and as you can see on the attached credit report, continues to do so. THIS IS ILLEGAL!!

Sunrise blatantly violated my consumer rights by placing this entry on my report without providing me notification and too, they did not respond with any documentation to support the erroneous, inaccurate, unverifiable information they are reporting on my credit reports. Further, I have never heard of this company nor have I ever did business with this company, yet they are continuing to report negative information on my reports. 

This entry should 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 2018-06-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CA

Complaint narrative:
Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.

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 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
You have illegally attempted to run my credit for a auto loan I never applied for with your bank which is illegal. CFPB may fine Wells Fargo as much as {$1.00} XXXX : report The Consumer Financial Protection Bureau may fine Wells Fargo WFC, several hundred million dollars and as much as {$1.00} XXXX for auto insurance and mortgage lending abuses, XXXX reported, citing sources with knowledge of the plans. The fine would be the first since XXXX XXXX was named interim director of the CFPB. XXXX is eyeing a penalty that would dwarf the {$100.00} XXXX the CFPB fined Wells Fargo in XX/XX/2016 to settle its phony accounts scandal,  the report said. 

You are continuing to violate consumer rights.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DAS Inc
State: CA

Complaint narrative:
XXXX XXXX w/ Collectrix garnished {$2500.00} from my wages and put a lien on my property for a debt I did not owe. It was the result of ID Theft. 

In addition he has threatened to sue me again, attempted to increase the amount of the original garnishment / judgment and now refuses to return the money after a Notice Of Entry Of Judgment has confirmed I was not the responsible for this debt. 

The courts also found he was not authorized to proceed as the assignee of the claim. Yet he garnished {$2500.00} and still has a lien on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I went to a Chase Bank at the XXXX XXXX XXXX XXXX in XXXX, XXXX. I wanted to put my savings and checking accounts into my trust which I established in XXXX. 

A personal banker - after checking with the " back office '' - told me Chase can not do that. I could not believe that Chase could not or would not do that. I asked what happens to my money in my accounts on my death? His answer was that if no one claims it the money goes to the state. 

I tried to get him to understand that my trust would enable people to access my accounts. He refused to do anything. 

I wrote XXXX XXXX XXXX, Vice President Chase Bank of J P Morgan Chase at XXXX XXXX XXXX. XXXX, XXXX XXXX. Asking her if the personal banker and the back office were correct in telling me Chase does not do that. She did not answer. I sent another letter dated XX/XX/2018. She did not reply to that letter either. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: GA

Complaint narrative:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 1991. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU

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 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX. I was given information that was I qualified for a loan forgiveness program to help me pay off my federal student loans. I agreed to allow XXXXXXXX XXXX to find a program that would work for me for an approximate {$8000.00} fee that would be taken out of my account in monthly payments. At this time I was not informed that my loan would be reconsolidated by another loan company called Navient. I was also not informed that by reconsolidating my loans it would cause me to loose my 18 months out of the ten years of on time payments made to XXXX XXXX that would qualify for the 10 year forgiveness program.On XX/XX/XXXX I was contacted via email by a representative named XXXX ( XXXX ) phone number ( XXXX ) XXXX informing me that some paper work was still needed in oder to complete my application. On XX/XX/XXXX I decided to do some research by contacting XXXX XXXX directly I was informed that I was already enrolled in the " pay as you earn '' repayment plan and I could easily enroll in the public services loan forgiveness plan by simply filling out and sending in an application. At this time I realized that I had been scammed. I was paying {$8000.00} for a service that was not only free but not in my benefit in regards to loosing out on the 18 months already vested. I immediately contacted management in XXXX XXXX XXXX XXXX and spoke with a manager by the name of XXXX. I XXXX apologized for the misinformation and said he would make things right by reimbursing me my money, which he did, and immediately stopping and further process with my loans. 
On XX/XX/XXXX I contacted XXXX XXXX to inquire about my account when was informed that my accounts had been reconsolidated and sold to Navient loans. I contacted Navient where I was told that they did send me out a letter to my home informing me that I had 10 days to stop the process of the reconsolidating. When the representative verified my home address it was completely incorrect! As well as my email address was incorrect! I was never given the opportunity to cancel before the 10 days because my address!!! this is why I am filling a complaint. plained my situation and told him I wanted to cancel my poor arrangement with XXXX. C

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 @ XXXX XXXX  I submitted a payment to Seterus in the amount of {$1000.00} as I do each month. When the payment did not clear the bank, I called Seterus and they told me that they had just been notified that the payment came back because it had been submitted under the wrong account number. The payments are made through XXXX XXXX on the Seterus website and I received a payment confirmation that I would not have received if I had entered the incorrect loan number. Furthermore, how did they report me delinquent to the credit bureau BEFORE they claim they received the payment back? I immediately contacted the bank and they had no clue what I was talking about. To date I have received no notification from Seterus or the bank, but my credit score dropped 58+ points. I had a loan modification 2 yrs. ago due to unemployment and have diligently made my payments since and have never been delinquent. Seterus had the unmitigated gall to tell me that once they reported me late they could not change it. I have worked in  mortgage banking over 20 years and know that to be a blatant lie. I was not late and nothing supports I was. They delayed the payment whether intentionally or not, I want it removed from the credit report that I have worked so hard to improve. They are one of the worst servicers in the business and I will not allow them to ruin what I have worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently addressed illicit reporting of my Wells Fargo debt to XXXX, via the CFPB Website. XXXX stated an investigation would transpire as affirmed by their response. In the midst of the investigation XXXX updated my Wells Fargo Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX. 

This is part of the settlement agreement with Wells Fargo was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this. 

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB. 

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.

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 2018-06-14 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: PA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Equifax requesting they correct several inaccuracies on my report. Including unauthorized inquiries. On XX/XX/XXXX I spoke with a representative who assured me they have been corrected. They are not corrected. 
In the letter I requested any documents bearing my signature be forwarded to me to show I authorized these inquiries. None have been forwarded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: AL

Complaint narrative:
I traded in my car with XXXX XXXX XXXX XX/XX/XXXX. They are still reporting to the credit bureaus. The first time I called a lady told me my payout was paid on XX/XX/XXXX. So I waited a month. Now its another month later and they are still reporting. Tried to get in contact with someone but no one has fixed the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I provided computer consulting services for six people via the Internet. I was paid for my time and expertise with XXXX. 

To confirm that the customer was authorized to use the XXXX payment method, I requested a photo of their ATM debit card. This card 's name matches the XXXX name. 
Only the legitimate owner of an account would have the ATM debit card and online XXXX access. 
There is no chance that a thief or phisher could hold both the physical card and online access. 
The only conclusion is that the customer is fraudulently filing a chargeback. 

If there is a chance of someone stealing a debit card and then getting XXXX access, that is the negligent fault of the bank and the bank should bear the cost of the fraud due to poor security. 
Please restore the funds to my Wells Fargo account : 1. XXXX XXXX = {$990.00} ( Wells Fargo Customer ) 2. XXXX XXXX = {$500.00} ( XXXX XXXX XXXX Customer ) 3. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer ) 4. XXXX XXXX = {$490.00} ( XXXX  XXXX XXXX Customer ) 5. XXXX XXXX = {$1400.00} ( XXXX XXXX XXXX Customer ) 6. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer )

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
This collection agency has reported to all three credit bureaus of debt I do not owe. I sent out a debt validation letter to validate this debt and I have not received anything from Waypoint Resource Group. I want this debt removed from all three credit bureaus until they send me a validation letter to validate I owe the alleged debt. If they can not validate this debt again remove from all three reporting credit as it is effecting my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. 

These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.

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 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My card and pin was used at a location I was not at, in a large sum. Chase fraud refunded the transaction but now has reversed the refund stating " Since the pin was used it can not be proven to be a fraudulent transaction ''. I have proof I was at my work office at the time of the fraudulent transaction, and I reported the fraud as soon as I received a notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: TX

Complaint narrative:
Dates that we stayed were XXXX XXXX XXXX. 
XXXX XXXX XXXX in XXXX, Texas. 

I originally booked through XXXX and paid {$490.00} for XXXX XXXX. This charge was ran twice before I even arrived. On the 4th night of our stay I needed to extend for one more night. We decided to downgrade after I have a charge of {$150.00} overnight to stay in the same hotel room. As I was being checked into our new room I had a charge of {$140.00} show up on my bank account from XXXX XXXX. I complained to the GM once again about how the agreed upon rate was {$85.00} plus tax. She apologized and said that the difference would be credited back. The next morning I had a charge of {$140.00} pending on my debit card and {$150.00} pending on my credit card along with {$630.00} pending on my credit card. That is over {$1000.00} of charges FOR ONE NIGHT AT THE XXXX XXXX. 

The GM assured me that I would be credited back or I could dispute the charges with my credit card company. I disputed the charges and called the GM to let her know. Once again, the {$630.00} charge came back out of my credit card account. This erroneous charge has put me over my credit limit this whole time I've been trying to resolve this. I have documentation showing the incorrect charges and documentation showing the manager credited the last night stay for free due to all of the financial troubles and incorrect charges they made. 

THIS IS FRAUDULENT. This hotel is completely incompetent. I have never seen such horrible customer service and I am literally having my money stolen from your hotel. This is absolutely unacceptable and I expect to be fully credited back IMMEDIATELY.

Company response to consumer: Closed with explanation