vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX request Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. Belk XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**

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 2019-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2018, US bank closed my savings account and issued me a check for the amount of XXXX. I received and lost the check. On XX/XX/2018, I made a Declaration of Loss for that check. US bank had 90 days to re-issue me another check but never did. Since then, I have visited the bank 's branch on many occasions and called them countless times but everyone says that they are not able to help me because they don't know which department is responsible for issuing that check,

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 2019-05-09 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: NV

Complaint narrative:
My name is XXXX and I just had my first XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report 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 2019-05-09 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: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX I reached out to the XXXX branch to resolve a matter involving an inquiry reported on my credit report I do not recognize. This inquiry has the date listed of XX/XX/XXXX. They did not provide the third party, XXXX XXXX, whom they sent it to, proof that I authorized this. This meaning in accordance with the FCRA they must have my signature authorizing the credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
States Recovery System continues to, despite my demand for them to cease, contacting my employer. 

State Recovery System was informed by telephone on XX/XX/XXXX, and again on XX/XX/XXXX, that my employer prohibits personal calls ( specifically relating to debt collection ). Specifically, on both of the above dates, State Recovery System 's representative XXXX XXXX was told this and also informed that calling my employer ( with knowledge ) of the prohibition is a violation of Section 805 ( a ) ( 3 ) of the Fair Debt Collection Practices Act. 

States Recovery System again, on XX/XX/XXXX, at approximately XXXX XXXX contacted my employer. 

States Recovery Systems violated FDCPA Section 804 ( 5 ), by informing my employer of their business name, i.e. " States Recovery Systems '' which connotes the call was related to the debt collection business, and the call relates to the collection of a debt. 

States Recovery Systems ' conduct is harassing and abusive. This is the exact conduct prohibited by the FDCPA, and because it has been repeated with directly knowledge of the violation, it is therefore reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments 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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: MS

Complaint narrative:
Sterling Infosystems is reporting fraudulent and addresses from states Ive never lived. Theyre reporting fraudulent traffic citations in XXXX, GA, and fraudulent criminal charges from GA. I recorded my conversation with the Director of Compliance, XXXX XXXX. He has informed me that I applied for a position that used Sterling Infosystems in 2016, that matched an address in CA. Please review the audio recording. You will also find that he gave his authorization to be recorded. Sterling Infosystems is passing along fraudulent information to an employer. According to XXXX, they use, proprietary database from their company. This is a database wherein they search addresses associated with an individual. Their actions are not legal. Their actions violate FCRA regulations. They use pointers. This should be illegal. It hurts potential candidates.

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 2019-05-09 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Dear XXXX Im writing to file a complaint I have been disputing chase bank accounts XXXX XXXX I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 2 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these Two accounts ASAP FCRA VIOLATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: NV

Complaint narrative:
My name is XXXX and I just had my first babyboy almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report 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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX and I just had my XXXX  XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent hard inquiries that I asked Transuion to remove. XXXX and XXXX   removed them and help me set up credit alerts so it won't happen again. Some one is trying to extend credit with my information. I filed a dispute already but they said they cant do it until 2 years. I just want them all deleted Im trying to establish credit not destroy it.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I was checking my credit score. When I came across the information, concerning one of my credit cards with XXXX XXXX XXXX XXXX/Comenity Bank. It appears my credit limit was lowered again without my knowledge. I have never been late and I'm working on my credit, in order to improve it. Now, since the Comenity Bank lowered my credit limit and my credit utilization is high causes my credit score to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I have been receiving repeated calls from this company called XXXX XXXX XXXX XXXX XXXX XXXX, a collection company in behalf of Cashcall for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XX/XX/XXXX I OPENED A CHECKING. EVERYTHING WAS GOOD. 
ON THE XXXX THE XXXX I DEPOSITED A CHECK FOR {$1200.00} INTO MY WIFE 'S ACCOUNT. THE CHECK WAS RETURNED UNPAID, THE REASON IRREGULAR SIGNATURE.ON XX/XX/XXXX I MADE ANOTHER CHECK FOR MY BROTHER FOR {$430.00} CHECK WAS PAID. ON XX/XX/XXXX I DEPOSITED ANOTHER CHECK FOR {$1200.00} TO COVER FOR THE RETURNED CHECK. I ALSO VISITED THE WELLS FARGO BRUNCH TO MAKE SURE THE CHECK GETS PAY IF IT IS ANY PROBLEM TO PLEASE LET ME KNOW. THE VISITED TO THE WELLS FARGO BANK WAS A WASTED OF TIME. AGAIN THE CHECK FOR {$1200.00} WAS RETURNED UNPAID SOME REASON IRREGULAR SIGNATURE. THE TWO TIMES THAT THE CHECKS WARE RETURN BY WELLS FARGO BANK UNPAID CREATED A LOT CHARGES TO MY WIFE BANK ACCOUNT XXXX  XXXX  XXXX. {$200.00} I DON'T UNDERSTAND WHY WELLS FARGO BANK NEVER CONTACT ME ABOUT THE RETURNED CHECKS THEY HAVE MY E-MAIL MY CELL PHONE.

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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2019 I loaded {$300.00} on to my PayPal account via in Store load at XXXX. The money posted to my account and confirmed by PayPal via email. The email further stated that these monies were available to be used. Shortly after I attempted to make a purchase from XXXX using my personal credit card as well as the funds I placed within the account currently managed by PayPal, which is a custodial account held by XXXX XXXX XXXX XXXX. Each time I attempted to use my funds i received an error message, so I contacted the PayPal support Customer Service line. After being placed on hold and finally speaking with a representative named " XXXX '' ( PayPal ID # XXXX ) I requested to speak with an American representative and/or manager since he could not understand my request to utilize my personal funds via the financial instrument of my choosing. The representative replied that there are no American Representatives or Managers. I Then asked if there was a manager that was capable of understanding my request. After the call was transferred I was greeted by the PayPal supervisor, " XXXX '' ( PayPal ID # XXXX ) who began to access my request, the call was a total of 2 hours and minutes and the managers last declaration was to contact technical support because on PayPal 's end everything was fine, and available however i attempted to transact my account with PayPal across several devices and doing so while engaged with " XXXX  '' who stated he was monitoring my account while still displayed no errors messages. I has come to my understanding that he and his immediate team members were all purposely preventing my from transacting the account. The call was on a recorded line which I personally recorded as well for my own protection and it can clearly be heard that the employees in the background were slanderous and have incited the defamation of my character and my financial activity. There was no resolution provided. I then attempted to to transact my PayPal balance by within PayPal 's very own Digital gifts webpage I attempted to purchase for myself an XXXX gift card, and the transaction failed and then PayPal placed a limitation on my account. The manager XXXX further said that I needed to be transfered to this account, he said it appeared that someone was trying to use my account although he confirmed that the only account accessing the account was the XXXX  browser IP address, which I am currently using. The evidence in this matter is overwhelming. That PayPal is, was, and has been treating consumers unfairly and viciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a complaint against Bank of America 's ( BOA ) unfair, deceptive and abusive practice of setting off joint consumer deposit accounts to pay off commercial debts owed individually by an account owner. On XX/XX/2017, I was notified that the funds in my joint consumer deposit account decreased to a negative balance. I reviewed my account online and discovered that BOA withdrew approximately {$3900.00} from my account to pay a charged-off commercial credit card debt owed by my joint account holder. 

I immediately attempted to contact BOA to try and get information regarding the transaction and was informed that they could not discuss the setoff and the charged off debt with me because it belonged to my joint account holder, and that I agreed to their set off terms when I opened the account. I was informed that it is BOA 's policy to setoff accounts to pay off credit card debts as permitted in their account terms. 

I understand it is BOA 's policy to setoff accounts in certain occasions. However, it is an extremely UNFAIR practice to setoff funds in consumer joint accounts to pay off commercial debts that belong to only one of the co-owners, and then refuse to provide both co-owners with information regarding the setoff transaction. 

Additionally, I requested that BOA provide me with the actual documents of where I signed and consented to their setoff procedures. They indicated to me that they would not be able to provide me with these disclosures until seven days. In the meantime, the money that I needed to use to cover my essentials ( like food, clothing, electricity for my children ) is severely compromised. 

Furthermore, it appears that BOA exercises its setoff practice DISCRIMINATELY, as they could not provide me with justification as to why they are choosing to exercise their discretion to setoff my account when it is not consistently done for similarly situated accounts. 

Please 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 2019-05-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Dear XXXX Im writing to file a complaint I have been disputing CITI BANK ACCOUNTS I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 3 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these THREE Accounts ASAP XXXX XXXX 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 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Dear sir or madam to whom it may concern. 
I filled for Chapter XXXX bankruptcy and received my court ordered discharge on XX/XX/2019 I have told NAVIENT many times to please stop harassing me and calling to collect. 
I filled for Chapter XXXX bankruptcy because I have no money to pay them, by law I am not to be contacted for debt collection for a period of 5 years to my understanding as told by my attorney. I have IRS tax debt also in part because of my Student Debt and I can not handle any more financial hardship. 

I can not get them to stop calling me every day.

Company response to consumer: Closed with explanation