vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I need to lift a credit freeze with Experian and tried to call for over an hour to do so. Their phone tree gives you the option to start one but not stop it. I have tried to talk to a live person via two numbers without success. I just get routed around their phone tree an eventually it hangs up on me. This is the worst phone tree in the history of phone trees. They need a e-mail or live chat option. It feels like they go out of their way not to talk to 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 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made a deposit at a PNC ATM. The machine took and counted my money, then canceled the transaction and then the machine malfunctioned and kept the money. This was on XX/XX/XXXX and I have yet to receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a bankruptcy that does not belong to me on my Equifax Credit Report. 

I have never filed for a bankruptcy, and XXXX and XXXX correctly identify that I have never had one. Only Equifax has this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: IN

Complaint narrative:
This was discharged in a previous bankruptcy and they have not sent any further notice and showed up on my credit report as paid late, no billing no notification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I received a letter stating that a Credit Reporting company by the name of SageStream LLC had given a credit report to a lender that is inconsistent with my information on file, and that they were unable to full fill my loan as previously agreed upon, and that new terms were required. I contacted my lender directly and everything is in order and that nothing has changed. This letter appears to be some kind of phishing scam, as when I went to the SageStream website they requested a lot of personal information and copies of proofs of identity such as a driver 's licence, passport, or social security card. This seems highly suspicious and appears to be an attempt at a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, the mortgage loan was in the name of XXXX XXXX, my ex-husband. We are now divorced and I assumed the mortgage through a modification assumption with Select Portfolio Servicing. The mortgage is reporting to XXXX, XXXX and XXXX the 3 bureaus as being delinquent on my credit. 

The modification assumption was complete XX/XX/XXXX. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marcadis Singer PA
State: FL

Complaint narrative:
XXXX XXXX, XXXX ( a bill collector ), Marcadis Singer Law Firm, XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, has served me with an order for Deposition and Order to Show Cause because he would like for me to show all of my assets and/or income for the 36 months preceding the service of the notice. The notice is dated XX/XX/XXXX. The records being requested are as follows : bank statements and cancelled checks, all of my savings account deposit books, copies of my state tax returns, books of records and all memoranda reflecting my assets and/or income. Deeds to realty, bills of sale for personalty, and title certificates to motor vehicles. The Plaintiff listed on the order is : XXXX XXXX XXXX XXXX, XXXX, as assignee of XXXX. I have informed this bill collector repeatedly that I need legal representation and can not afford it. I did not hear from them for 8 years, I thought it was all over and I started receiving the letters again. I appeared in court about 10 years for this same matter. Is there a statute of limitations on this? I don't understand how they can continue to try to get money from me for a very old bill that is no longer on my credit report. I am a lay person without money to hire an attorney. I feel intimidated that a bill collector is asking me to provide this information. I need help in the matter. I don't know what my rights are or what to do. Please help me. I'm scheduled for a court appearance on XX/XX/XXXX, if I do not go to the deposition and provide the information requested. I would appreciate any help that you can give me in this matter. Thank you. XXXX XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have called Trans-union multiple times to fix the wrong addresses and phone numbers listed on my credit report. The agent tells me to write a letter which i did a year ago, then told me to send in information, I've done that. My bank said it is NOT my responsibility to provide information they should know. This is fraud because i have tried to rectify this issue. 

This is messing up buying a house & credit cards i apply for.

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 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
This complaint is in addition to CFPB case XXXX, an open case. 

As stated this occurred in 2007 as a refinance through Wachovia Bank that was bought out by Wells Fargo as Wachovia had financial trouble. Wells Fargo continues to state I did not disclose the XXXX XXXX XXXX XXXXXXXX HELOC and that I signed an application that did not have the HELOC listed. The Wachovia agent said it wasn't listed because there was no balance and only accounts that had balances can be listed on the written application and the Wachovia agent was notified that this account was a HELOC. It is up to the underwriters of banks to establish or catch mistakes made by their agents, not the customer as customer pays a credit report fee ( {$340.00} if I recall ) to establish the current accounts where this HELOC would have been listed and was in addition to the disclosure made and while it had a XXXX balance, Wachovia never entered it on the written application that I signed and was their explanation why it wasn't there. 

What is evident and by evidence of other bankers was Wachovia,  being in financial trouble, gave notice to their employees to close as many of these mortgage refinances as they could get in 2007, much like Well 's Fargo directives to employees to create fake accounts that caused major mistakes in the banking industry and now Wells Fargo who purchased Wachovia Bank doesn't want to take responsibility for their mistake and incompetence in loan origination and underwriting responsibility ... which is their responsibility, not the consumer. 

These complaints were filed through the Office of the Comptroller of the Currency, a NA bank regulator and not the CFPB which is interesting why this ended up here as the actions taken by Wells Fargo is in fact a criminal matter.

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 2019-05-28 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
the account just showed up on my account one day and I know nothing about it, called them and they would not even give me any information or explain what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Upon retrieving my credit report I found that Transfinancial Companies had placed an account in the amount of {$940.00} and  then said the would send validation of the account after requesting this information several times. Once I received the validation of the account it was a gross violation of my HIPAA rights. I did not sign anything in order for my personal medical records to be released to this company or any other company. With such a violation I would ask that the account be removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Anytime i apply for a card or to buy a house they say Equifax has put a fraud block on my account. I can't even obtain my report off the free annual credit report. Last time i was able to see my report, you have my name spelled wrong several times, wrong phone numbers, several addresses I've never lived at. This shouldn't be my responsibility to fix, this is your error. Now there's a block on my credit report? I have no knowledge or anyone contacting me letting me know what's going on, I've called & wrote a letter, got nowhere. You're saying i have fraud block but yet are committing fraud yourself by not correcting the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX - Noon Problem : Both of my American Express Credit Cards were invalid at XXXX XXXX.   Action : Called American Express three ( 3 ) times - no solution, just three ( 3 ) hang ups by three ( 3 ) different individuals. Explanation : American Express wants me to get a letter from the Social Security Administration showing the social security numbers for my mother and I are different. Mother has been dead for nearly ten ( 10 ) years. We never shared a card. I asked why? This is weird! I asked that I be given a letter to bring to social security so that they know what to return to me. No good. Each of the three ( 3 ) reps hung-up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: U.S. BANCORP
State: NY

Complaint narrative:
I wrote not to long ago and what I write XXXX XXXX. ..and US Bank needs to be investigated ... I know received a letter from US BANK ABOUT LOWERING MY INTEREST RATE MY CREDIT SCORE WAS XXXX .I KNEW IT. .THEY PROBABLY DID THIS TO OTHER CUSTOMERS. .FOR ME TO COME BACK LESS THAN 24HRS AND SAY I CAN'T AFFORD, THE XXXXINTREST.FROM THE BANK AT 5.9 % ..AND DENIED TO. VANQUISH THE LOAN I KNOW THEY ARE CROOKED. HOW YOU CLOSED THIS CASE BEFORE IS BEYOND ME. .XXXX XXXX CASHED MY CHECK AND THE LOAN CHECK. AND TELL ME IT'S GOING TO TAKE 30DAYS.TO RETURN IT. .IT DOESN'T TAKE 30DAYS FOR MY CHECK TO GET TO YOU.SO I HAVE TO EXPLAIN TO THE CREDIT PEOPLE WHY I CAN'T PAY YET. .PLEASE DO SOMETHING FOR THE OTHER PEOPLE TO THEY ROBBED.

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 2019-05-28 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: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
the account just showed up on my account one day and I know nothing about it, called them and they would not even give me any information or explain what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have this account in collections from XXXX XXXX XXXX original creditor was XXXX XXXX XXXX this was already paid for In full. I keep getting phone calls and one of the reps told me back in XX/XX/2019 this would be off all my credit files since this was paid in full. 

I am unsure as to why it is still there and hope you guys can help solve this 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 explanation
Consumer complaint received 2019-05-28 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: Credit Technology, Inc.
State: CA

Complaint narrative:
XXXX/2018 there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XXXX/2018 new credit inquiry from XXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX/2018 - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I entered into a financing contract with a company by the name of XXXX XXXX XXXX ( which is owned and operated by the parent company XXXX XXXX XXXX ). I had a 90 days no interest agreement which states if my balance is paid in full in 90 days or less that the only amount due is the amount which is financed. I financed {$500.00}. I paid a total of {$700.00}, with {$200.00} being due back to me since I paid the balance in full prior to the promotional periods end date. On XX/XX/XXXX I contacted the company regarding this issue and was advised that they are not going to refund me the {$200.00} owed to me, because a payment was not paid on the XXXX of the month and rather the XXXX. I informed them that was of no fault of mine, and that the contract I signed states very clearly that all payments will come out on the XXXX of the month by auto draft. I argued this case and was advised that I had allegedly logged in on XX/XX/XXXX and removed the auto pay option, which there is no history on my account nor any confirmation communication of this alleged event. I advised that by law they are required to alert me when changes are made to the contract or billing arrangement, and since I know I didn't go into the account to change anything until XXXX ( when I noticed their error and paid it myself in good faith ), and they can't provide any verification of me doing such ( and neglected to provide said verification at the time of the alleged change ), I feel it is well within my rights as a consumer to be refunded the total amount of {$200.00} due to me for interest charged during the 90 promotional period in which I successfully paid back the entirety of the {$500.00} financed amount. 

In my contract it states I need to reach out to their Legal Team with a written notification of dispute, however as I've called multiple times and worked directly with XXXX XXXX ( Operations Support ) over email, they have refused my request for the address to send their Legal Team a certified letter of such dispute. 

Since my requests for good faith remediation of this issue have been denied multiple times, I am reaching out to the Consumer Finance office for assistance getting back the over payment amount in full ( including any fee 's they feel they should charge for said financing service since I've been through this issue ) of {$200.00}. 

Thank you Alternate Addresses and contact information I found for Duvera Billing Services LLC, and XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX PR - XXXX XXXX - XXXX CEO - XXXX XXXX - XXXX - XXXX, 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 2019-05-28 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: OH

Complaint narrative:
The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
This company ignored FDCPA procedures for debt collection and improperly reported this to CRA 's without ever attempting to validate the debt. Rather, an " investigation '' did not begin until after this account was placed on my husband and I 's credit reports. 

I received a notices from the company, giving me 30 days to dispute the validity of the debt. I immediately responded, in writing, in correspondence received by the company XX/XX/2019. My response to them clearly outlined the amount of the debt I was disputing, which I'd already discussed with the original creditor, and requested an updated statement reflecting the actual amount owed so that payment could be remitted. 

Instead of a response, I received adverse action on my account. It was until I reached out by phone that I received this. As my husband 's employer was always paying the lease breaking fee, making payment itself was never a concern, however the amount needed to be corrected. The company ignored this request and reported the account to CRA 's before validating in violation of FDCPA. 

As they were notified in writing within 30 days of the original notice, their job was to cease collection activities while this dispute was investigated, and as such, should not have reported to credit report agencies until that was completed. As a litigious consumer, I am well within my rights to now file suit for this violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Telerecovery Corporation
State: LA

Complaint narrative:
Upon pulling my credit reports I found that Telerecovery had placed an account in the amount of {$3300.00} on my credit reports. I then disputed this information with the credit bureaus as I believed the information was inaccurate and was not a valid account. Despite several attempts to validate the account the company has not produced any validation. The company closed the account on XXXX leaving it as a collection account and left the account as an active collection on my XXXX and XXXX credit reports. The company is reporting inaccurate information which is hindering my progression for better credit health. I would like this account to be removed immediately from all three major credit bureaus.

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 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Millco Management
State: NJ

Complaint narrative:
To whom it may concern at one point I owed money to Original Creditor Name XXXX XXXX XXXX XXXX XXXX than it got turned over to Amerifinancial Solutions which has called up non stop after I have told non stop to stop calling me with harassing phone calls ... 

I paid off the original company in cash which was a hospital. I no longer owe said debt. Back in XXXX  I explained all this to someone at customer service and they said all of this would be taken care of and off my credit report files. As it is not accurate. Maybe someone did not put it in the computer that I paid. I do not know. I just hope this can all be cleared up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation