vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My debit card was " duplicated '' and used to place fraudulent charges on my bank account in both mine and another US state ( I have the original card in my possession ). In attempting to place a fraud alert on my accounts with the three credit bureaus, the following problems occurred : XXXX appears to use a third party to take sensitive, identifying information and report the information to them. One must input or say your social security number, name, date of birth and other sensitive, identifying information over the phone or online to an automated system. Experian and XXXX also require the same information, but the information appears to be handled by them. XXXX   announced in XX/XX/2017 that its accounts were hacked. There does not appear to be ANY agency who has a live person available to help a consumer decipher the safety of its accounts. Secondly, why do these companies require a consumer to use their social security number as identification when it clearly states on MY social security card that this number is NOT to be used as identification? Who really protects the consumer with this wide-spread problem? And how do we know our information is secure when reporting online or by automated phone services?

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 2018-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report with XXXX XXXX indicates I was late 30 days XX/XX/XXXX and late 60 days XX/XX/XXXX. The account was paid in accordance to the agreed amount on XX/XX/XXXX. XXXX XXXX failed recognize the agreed amount was paid until XX/XX/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 2018-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

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 2018-08-27 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: FL

Complaint narrative:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Dates of service keep changing but insurance has the 2 reports paid in full by insurance as of XX/XX/XXXX/XX/XX/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 2018-08-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. 
-- -- -- -- -- -- -- -- -- -- -- - Experian will not delete nor remove this item from account ever when I provided proof under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/XXXX Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

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 2018-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Home Mortgage took an additional payment out of my checking account without authorization from me. When i requested the refund, they refunded the money to someone else account. This cause me to have several NSF fees and caused issues with my employer ( XXXX XXXX XXXX ) as we are held to high standards as it pertains to our personal life. Wells Fargo continued to ignore the issue and eventually refunded a portion of the NSF fees. When i asked for a letter from them showing that it was their error, they just completely blew me off. After repeated calls I finally got a copy of a letter a month later. They never refunded the remaining NSF fees.

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 2018-08-27 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: SC

Complaint narrative:
I am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited my employers check for the past 3 years once a month. I have deposited thru the ATM and usually a weekend I have funds available on Monday or Tuesday. I deposited check from my employer ( happens to be a XXXX ) drawn on a local bank and the ATM put a 3 day hold which I was not expecting. Deposited on Sat XX/XX/18 and funds not available until XX/XX/18 by XXXX XXXX  Is this a new way of B OF A sticking it to the people that have had the same practice of banking for the past 15 years. Now, not aware of this hold until after I had done some online payments, I will now be charged NSF fees. Fees should not occur to the member during this time. I called the bank and rep just said I was aware of fees when I opened the account and time of disclosure. A real help in my case! I don't know if anyone else is starting to have this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC
State: GA

Complaint narrative:
I want to report the following mortgage investor and collection agency companies for unwilling to negotiate 2nd lien that was filed in a bankruptcy in XX/XX/2009 and they have bought this paper and forecing me to pay them by putting my home in foreclosure. my home is still underwater and currently is not behind on the 1st lien mortgage due to a loan modification completed in bk under the HARP program ; The two companies are the following : " XXXX XXXX XXXX XXXX '' and " Madison Mortgage '' I filed BK XXXX in XX/XX/2009 and during that period the 2nd lien was with " XXXX  ''. XXXX during the BK process was showing on credit report as the debt being charged off. For this reason this debt was not " reaffirmed '' for the option to do a loan modification. Also due to the home severely under water. Since then this loan was sold to several investors and the latest investor ; XXXX XXXX XXXX '' has bought loan and started to send out demand letters for me to pay them. Since the Lien is still tied to the property and never was Stripped my BK Attorney only option was to try and negotiate with the the investors. The investors is using : Madison Management '' as the the third party collection agency to try and collect. we have tried to offer several amounts to pay this lien so they could remove it from title. All offers were denied.They want me to pay the full balance that was due at time of BK filing, all late fees and attorney fees. They also want me to pay a 9.50 % interest rate which is to me predatory.

I Have sense hired a different attorney who has been trying to negotiate this lien and have been very unsuccessful as well. They have denied every offer the attorney has offered.

The investor has scheduled my house to be foreclosed as a way to strong arm me into paying them what they want me to pay them.

this practice is unlawful and i know i have some sort of rights to protect and save my home.

Since filing BK i have been currently with the first lien with no late and do not want to file BK again just to stop them for foreclosing They have also violated my privacy by researching me online on XXXX  to discover I have a business and is married. So the feel I have the means and capital to pay them what they want me to pay them.

This has been a very stressful situation and now is affecting my health as I need help stopping this investor from violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit score has always been XXXX - XXXX. Trans Union recently dropped it to XXXX saying I have a delinquent account with XXXX XXXX. I filed a dispute with Trans Union through XXXX XXXX notifying them that this was an extension of the lease for another 6 months not a delinquent account. They responded that I was correct, however they never corrected my score, and when I called to follow up they implied that I do not have a paid credit motoring service and that XXXX XXXX is free and they can not help me. If I paid for a subscription they would help me. 

I believe this is extortion, and I should not have to pay for their mistakes. 

I would like to understand why I do not have a perfect score of XXXX? Since I have never paid anything late and I hardly have any debt. My credit is XXXX, and I believe it's low only because I am not paying for a premium subscription. 

I would appreciate this getting handled and resolved immediately. 

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 explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.

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 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/18 I sent a {$500.00} transfer to someone using XXXX through my Wells Fargo account. I agreed to buy concert tickets from a XXXX ad and the seller did not transfer tickets to my account as promised. I have the listing and all documentation saved for this transaction. He sent me the confirmation as " proof '' of the tickets. I had suggested using XXXX to do the transaction but the seller said he preferred using XXXX as this was done directly from bank account to account and there would be no issues. After money was transferred he explained to me that he had transferred the tickets electronically to my XXXX account. I did not receive anything and the seller stopped responding and blocked me. I called Wells Fargo within minutes of making the transfer. The Wells Fargo website says that transfers could be cancelled as long as they were still in the pending status. My account said the transfer was still pending so I talked to a representative but she said it was too late to cancel the transaction. She told me that there was really nothing she could do at that point. I asked her what she suggested I do as I believed this to be fraud and she had no answer for me. I have an email address, phone number and name for the seller but have not received any help in this matter. The seller answered a message from my cousin just minutes later saying the tickets were still available. I would just like help from the bank in this situation to get my money back from this thief as they clearly have this persons personal information. I was obviously not the only victim.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IN

Complaint narrative:
I have disputed the alleged debt on a number of occasions yet XXXX XXXX continues to attempt to collect. Over the last several years they have placed this account for collections with multiple, third party collection agencies. I have disputed this debt with each collection agency and each time it has been removed from my credit bureau and I have been assured that it has been resolved/cleared. This is a never-ending cycle where XXXX will place the account with a collection agency, the agency will report to the credit bureaus-I then dispute the debt and the debt is removed from my credit bureau and I don't hear anything for a while until XXXX then places the account with another collection agency and the cycle repeats. Currently, XXXX has placed this alleged debt for collections with Maury Cobb Attorney at Law, LLC for collections. This is the 5th or 6th collection agency they have placed this account with. I do not owe the alleged debt. I have disputed this with XXXX directly. I have disputed this debt with all of the various collection agencies they have placed the account with. With each dispute, I have received confirmation that the alleged debt has been canceled and that the debt is removed from my credit bureau report. However, this is only temporary until XXXX XXXX decides to again, place this account for collections with yet another collection agency. This cycle does not end however it needs to end now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: IL

Complaint narrative:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

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 2018-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an account with Bank of America ( BoA ), opened in XXXX XXXX, Tx. My credit card was cloned and used to do several transaction on XX/XX/XXXX and XX/XX/XXXX at XXXX and XXXX in the state of Texas. They spent around {$1400.00} ( all the money in the account ). 
I traveled to XXXX on XX/XX/XXXX and I came back to United States on XX/XX/XXXX. I noticed this fraudulent transaction and I called BoA and asked them to cancel the card. They did canceled the card and they offered me a credit for the money missing in my account, while they conducted and investigation. I mentioned that I was not in the country at the time of the transactions and I had proof of this, but they say it was not required. 

I received a letter on XX/XX/XXXX saying : " Our records show the transaction activity in question was authorized and posted correctly to you account ''. I went to a BoA financial center located at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx to show them documents to proof I was not the one doing those transaction. They told me they did not handle that and I need to call the Claim Center. 

I called the claim center and I asked for an explanation about the outcome of the investigation and they said they revoked the claim based on two factors : 1. '' The transaction do not reflect any urgency on getting the money out from the account ''. However the transaction were done on two days.

2. " There is proof of my pin being used on the transaction ''. I asked to show me proof of this, and they say I don't have access to this information. I specifically as for this to XXXX ( employee number XXXX ) and his answer was that they can request the information but he could not guarantee that I will have the information requested. 

Apparently the investigation was very rigorous, but they missed the point that I have transactions in two different countries in the same period of time. On top of that they refuse to give a copy of the investigation or the records showing these fraudulent transaction where my pin was used. I spoke to XXXX ( XXXX 's supervisor, from Arkansas, reference number XXXX ) and the only option they are offering me is to send proof that I was outside United States ; however this will take time and they will remove the money from my account anyways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 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: TX

Complaint narrative:
My complaint is late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX. The problem that I am having is, XXXX still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX  responsibility to correct the problem and XXXX   says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation