vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX  appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, TransUnion, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, TransUnion, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Quite some weeks ago I filed concurrent complaints with the CFPB, Equifax, XXXX, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - Equifax, XXXX, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
A complaint was previously filed XXXX and a response received from Pacific Union Financial which is not acceptable. They are refusing to remove a mortgage late reported for XXXX of XXXX. To reiterate for the XXXX payment due of {$3300.00} the amount was entered in the numeric portion correctly at {$3300.00} but in the hand written portion mistakenly written as 'XXXX   XXXX XXXX and XXXX/XXXX. The shortage of {$300.00} was subsequently paid over the phone with an additional {$15.00} fee. In Pacific Union 's response attached they indicate the amount of {$3000.00} was put into suspense which is not true as they actually cashed the check which is also attached. The mortgage principal and interest portion is {$2200.00} and {$1000.00} is for the escrow amount. The principal and interest portion was paid in full on time and it was the escrow portion that was shorted. The escrow account maintained a positive balance and there were no required disbursements from the escrow account from the time of the payment shortage until the {$300.00} was collected. How was Pacific Union shorted or harmed other than not having the {$300.00} on account? Since obtaining the mortgage in XXXX there has never been a late payment and I believe that their refusal to remove the late payment is vindictive and purposely harmful as our credit rating has suffered significantly. I imagine that PUF has never made a mistake and they want to hold us to the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: KY

Complaint narrative:
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX-Equifax, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX-Equifax, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have sent a letter to this company about a debt that is not mine. I have never had service with them. I received a letter from the credit buro that it was mine but never received any documents from them that proved it was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On or about XX/XX/XXXX several " hard pulls '' where made on my credit report without my authorization ( in fact, against my express wishes ). I tracked them down as best I could back to what I believe to be the same source : XXXX XXXX XXXX XXXX XXXX. 

To be clear, I was looking for financing for my company, but I was not allowing my personal credit to be used for this purpose which I made very clear in my communication with XXXX XXXX ( email dated XX/XX/XXXX ) to XXXX XXXX. 

All attempts to contact XXXX XXXX have failed. 

XXXX XXXX actually acknowledged the error by phone and advised me to dispute the inquiry on my credit report and when they were contacted by Experian they would confirm the hard pull was made in error. However, since disputing the hard pulls with Experian back in XX/XX/XXXX, no  correction has been made. What's more, I had begun to receive what is clearly junk emails ostensibly from the representative at XXXX XXXX and even advised XXXX that it appeared to me that their email server had been compromised. 

As of this date, no investigation has been conducted that I have been made aware of and the inquiries remain on my credit. 

Experian has also taken to dropping good credit accounts from my report seemingly at random. Beginning in XX/XX/XXXX, again in XX/XX/XXXX, and finally most recently this last month in early XX/XX/XXXX. These are perfectly good accounts that I have made no dispute of and Experian is claiming they have nothing to do with it, nor can they take any action to remedy it. 

In the previous two instances I was finally able to correct it by simply getting lucky and finding the right person on the phone. This last time, XXXX from the Dispute Department as much as told me I was at the end of the line and there was nothing she could do - that XXXX had requested their account be removed from my report and that I should take it up with them. 

A statement which, as near as I can tell, was an outright fallacy.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a CITI Simplicity credit card based on an advertised 0 % APR promotion. It is now XX/XX/XXXX and I have yet to physically receive the card. 

I called Citi on XX/XX/XXXX and spent 32 minutes talking to customer service and proving my identity. I was told a replacement card would be expedited to my new address. I wanted to use the card for Black Friday/Cyber Monday. 

I called back on XX/XX/18 to inquire about the whereabouts of this card and was told the card was never processed. I was told that Citi tried to contact me after my 32 minute call to them on XX/XX/XXXX,  but no voicemail was left nor is there any record of a missed call. No communication by email either. Citi never bothered to inform me that they were not sending me a credit card. I then asked to be transferred to a supervisor and was hung up on. No follow-up call, explanation, or apology was made to me much like my call 8 days earlier. 

There is an inquiry on my credit report from this credit card. Several months have passed and I have not been able to use the 21 month 0 % APR term, nor register the card electronically to see my monthly statement balance ( currently {$0.00} XXXX. I do not have access to any information regarding this credit card, nor can I use it to make purchases. 

I have another Citi card open in good standing ( with a zero balance / {$38000.00} credit limit ). 
I've never been treated like this by any other credit card company and would like the Citi Legal/Executive team to justify their service and execution. This is false advertising.

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 2018-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The servicer is Navient for my student personal loans. I have had these loans for many years, I graduated from college in XX/XX/2007. I have had a difficult time with repaying. I have been able to put my loans in forbearance and deferment. I did know that interest would keep accumulating ... but I had no choice at the time. They did not offer a lower payment or lower payment options ONLY forbearance and deferment. Only last year finally did they tell me about something similar to income based repayment and I was put on that program which really helped. I tried to apply again this year and they said I did not get approved. My financial situation has not changed at all. It is all exactly the same as last year. The amount of interest that has accued on these accounts is disgusting and is why my payments are so high. They will not do anything to help now in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Wallace Management Company, LLC
State: TN

Complaint narrative:
I checked my credit report on or around XX/XX/2018 and noticed XXXX XXXX  in XXXX TN had put a hard inquiry on my credit recently and one in the past. NEITHER INQUIRIES WHERE AROUND THE TIME OF MY CHECK CASHING. I called the office and asked why did they do this and she informed me that she was doing it to find my other creditors to call them to inform them of my account with them and to make my credit suffer from the hard hits. I did cash a check from them but the information was misleading and I did not consent to any credit check. The check was received in the mail as a preapprove offer. I have been cursed out and harassed by this office, and I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX i opened a dispute with Transunion about XXXX XXXX adding a collection to my credit file in the amount of {$1800.00}, that dispute end with Transunion deleting the XXXX XXXX account from my credit file on XX/XX/XXXX. 

On XX/XX/XXXX i discovered XXXX XXXX  had been re-inserted into my credit file after being deleted. Transunion is required to notify me within 5 days of re-inserting a previously deleted item. i did not receive such notification. Please delete this item 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 2018-11-30 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I tried to dispute information with XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX   ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. 

Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: IL

Complaint narrative:
I tried to dispute information with XXXX/XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.

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 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit grantor is refusing to properly validate debt as it on my credit reports with a different account number with each bureau. Amount owed as stated on my report is {$760.00} and i have been disputing this with the 3 major bureaus for over 3 months to get a proper resolution.

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 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX, I attempted to cash a {$100.00} check at a Wells Fargo branch located in XXXX, UT. I have banked with the institution for nearly 30 years. The bank asked me to provide them with both my debit card and " I.D . '' I provided them with my debit card and my non-expired government issued photo I.D . and they refused to cash my check because they did not accept my I.D . I asked them to provide me with a list of forms of identification they accepted and they answered by stating " they were governed by regulations and could not provide me with said list. '' After the interaction with the branch, I called Wells Fargo corporate at XXXX XXXX MDT at XXXX to inquire as to what forms of identification they accepted. They refused to provide me with a list and said they were internal policies and subject to federal laws that they could not provide me. They further explained that the policies can be determined by the individual branches. 

My complaint is that as a banking institution they should have transparency with respect to policies regarding basic banking operations such as cashing a check. In this particular instance, the banking institution clearly outlines what forms of identification they will accept to apply for a loan, but do not have any materials with respect to cashing/depositing/withdrawing/etc. monies from a checking account. By allowing the individual branches to set their own policies, as the Wells Fargo corporate representative told me, they allow for subjective and potentially discriminatory conduct. 

I believe Wells Fargo 's lack of transparency allows the banking institution to engage in discriminatory banking practices with respect to members and non-members alike of the institution. This discriminatory practice is explicitly verboten pursuant to federal rules and regulations ( see 15 U.S.C.A. 1691 )

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