vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX  of these fraudulent accounts and have asked them to remove these accounts from my credit report which they have done finding the account to have been opened fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Charging my account late fees for a payment i already made that they did a payment reversal for in the same day i paid this bill the first time. And then wasnt notified until about a week after i tried to pay it, navient tried to say i was late again on my payments. The first time i paid it was {$110.00}, and then jumped to {$170.00}. Which is ridiculous being that they claimed my bank account wasnt recognized, but when i paid the first time it showed the name and location of which my bank account was from. And i paid this bill on a tue that wasnt a holiday, so there was no excuse for why my payment wasnt processed and went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Sirs. 
A XXXX citizen permanently resident in XXXX contacts you. I have a conflict with Wells Fargo bank regarding my {$4000.00}, which I ask for your help in resolving. The essence of this conflict is as follows. 
I am a law-abiding citizen, a XXXX and a XXXX person, regularly pay all taxes. The amount of {$4000.00} is very large for me, and I have been saving it for more than three years because it is equivalent to my net income for one and a half years. At the end of XX/XX/2019, in order to purchase XXXX presents for me, I wanted to transfer this money from my dollar account in XXXX to my friend in the USA on his current account with Wells Fargo bank. But due to technical errors of the employees of my bank in XXXX, the operation was performed in the amount of XXXX zlotys from my other current account. Accordingly, the amount was sent about 4 times less than I wanted. After discovering this error, my bank, with my consent, returned this amount of XXXX zlotys to my current account in XXXX, and on XX/XX/2019 I again sent the correct amount of XXXX dollars to the USA. But for some reason, this money was not credited to my friends bank account in the USA for a long time. I began to worry and on XXXX demanded through my bank a refund of this amount of XXXX dollars. However, the return was not made within a reasonable time. Therefore, on XX/XX/2019, I wrote an email to Wells Fargo bank in the name of XXXX XXXX XXXX, Senior Executive Vice President, Community Banking and Consumer Lending. But as a result of XX/XX/2019, I received a completely empty answer from another employee of this bank with a proposal to call her on the phone. I am a XXXX  citizen and XXXX, I dont have money to call the USA. Therefore, on XX/XX/2019, I filed an appeal with my bank and, just before XXXX, on XX/XX/2019, I received a response from my bank instead of a gift, which simply shocked me with its contents, that according to information received from the correspondent bank, the Wells Fargo bank refuses to return the money. Thus, Wells Fargo bank, with which I do not even have partnerships, has appropriated all my savings in more than three years. An employee of my bank in XXXX recommended that I contact the Consumer Financial Protection Bureau for 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 2020-01-16 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-16 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a car with Navy Federal in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let Navy federal repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years navy federal refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, called Tranunion and XXXX for credit i never applies XX/XX/XXXX called Tranuion and XXXX to remove inquiries for credit i never applied thank you 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 2020-01-16 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: MD

Complaint narrative:
I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a car with XXXX XXXX in 2013. I was incorrectly instructed by the dealership XXXX of XXXX XXXX to let XXXX XXXX  repossess my vehicle because it no longer worked and the dealership would not accept the negative equity on a new car loan. For two years XXXX XXXX  refused to repossess the vehicle. I informed them that i was a student and could not afford the payments. They told me it was my responsibility to do so and that they would not take the car because it was worth less than the loan. The loan has remained on my credit since then. The status on my credit reports say charged off. However they report monthly that my payment is late. This is fraudulent. I have tried to call them and they forward me to collection department. But they will not update there reporting. If the account is not in collections. Why are you trying to collect.

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 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA began a fraud investigation on XXXX Purchases dated XX/XX/XXXX {$170.00} & {$170.00} You can view them on XX/XX/XXXX Statement enclosed I HAVE NOT BEEN NOTIFIED OF ANY RESOLVE.What is the resolve? This is now XXXX! 
Why did USAA begin a fraud investigation on XX/XX/XXXX for these amounts you can view on my statement {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
What was the resolve of each amount shown as a fraud investigation beginning? Please give accurate purchase dates and Merchant Names

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bank with US bank. I get a direct deposit bi weekly. My money I was told is directly accessible once deposited. 
My deposit was sent on XX/XX/20 and received in the account on XX/XX/20. My deposit was for {$1100.00}. Plus I had like XXXX in the account as well. 
Saturday XX/XX/20 my wife and I went had a dinner drinks and went to the movies we spent about {$120.00}. Plus fast food for XXXX  bucks. 
Sunday XX/XX/20 I purchased these items Gas XXXX XXXX  for XXXX Firewood XXXX So Sunday goes into Monday XX/XX/20 and I went to work I ordered a energy drink from the vending machine XXXX bucks. Prescription medication {$21.00} Its tues XXXX XXXX XX/XX/20 My account balance is XXXX I XXXX my landlord XXXX at XXXX leaving me a balance of XXXX  bucks. Ashamed I ask family member to XXXX  me XXXX and they send it to me at XXXX. So my account should be XXXX. At XXXX that day I got a notification that I was at a balance of XXXX. Then another for -1. Then another for XXXX..all the notifications are at XXXX. So I look and my account is crazy overdrawn XXXX and my XXXX is still pending for XXXX and the XXXX XXXX XXXX went into my account and the transactions are all out of order and my account itself is totally different from what it looked like Tuesday XXXX XXXX  and also some transactions were not there yet but I got notifications that the transaction happened. I got 6 overdraft fees and my transactions were deducted all out of order my XXXX XXXX was done last. I called the bank I was told I was overdrawn on Sunday. Then I went to the bank and was made a fool of when I showed all the inconsistencies from their online banking to the notifications and balance alert notification. All failed. They gave me a paper to explain it all..and it didnt. 
On Sunday I went from XXXX to XXXX with out explanation. Some more transactions are done dropping it more with 4 overdraft fees then on XX/XX/XXXX..My account is at XXXX overdraft fees are deducted plus another two more are added on top of those. At the the end Im XXXX ..I need some help please and they have done this multiple times. Im not rich and have a family to support. Thank you in advance.

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 2020-01-16 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to get into my Experian account and every time I have tried it, th e website makes it compulsory to request a free credit report ; then when you gave them the information so you could access the account, this message pops up " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX  XXXX  to XXXX   XXXX  PT Sat - Sun : XXXX  XXXX  to XXXX  XXXX  PT '' Then, when you try to reach them using that phone number is a continuous loop of automated choices that never gives the chance to speak to somebody about this. 

All the other phones listed in their websites are also recordings after recordings. There is even one phone number : XXXX XXXX XXXX that not even rings and directs the call to a recording saying " they are having technical difficulties and to call later '' since THREE DAYS AGO. 

It is ridiculous that such an important part of your life it is utterly inaccessible.

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 2020-01-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, called XX/XX/XXXXand Experian for credit i never applies XX/XX/XXXX called XX/XX/XXXXand Experian to remove inquiries for credit i never applied thank you 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 2020-01-16 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This complaint is regarding KIMBALL, TIREY, AND ST.JOHN 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my XXXX credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the XXXX BUREAU REPORT. 
IN XX/XX/XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to XXXX, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The  debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XXXX XXXX.. 
KIMBALL.TIREY STJOHN ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS.

50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS POSSIBLE PUNITIVE AWARD, should Kimball Tirey and I meet in court. 
XXXX regardless of the position of Kimball Tirey..has  the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I bought furniture worth about 5K at XXXX and XXXX on 0 % APR, they went through TD bank and as I found out later, it was a credit card. 
I set up auto pay for these payments using TD bank online web portal in late XX/XX/XXXXor early XX/XX/2019 ( I am unclear about exact date ) to be paid directly from my XXXX  XXXX XXXX Checking account. 
In XXXX I was contacted by TD bank stating that my XX/XX/XXXX payment was now 30-59 days late as auto pay does not get into effect until next month etc. 
I have since then paid off the full amount and have XX/XX/XXXXbalance. 
The late payment was reported to credit bureau and resulted in a XXXX point decrease in my credit score. 
It continues to be there and has had detrimental effect on the score. 
I feel that the following practices on the banks behalf contributed to this delay - delay in processing of payments. I had authorized payment to be made much before any due date yet it did not get processed. 
- Once the initial payment was missed I was not informed of this until 59 days later and at which point I immediately paid the account to bring it upto date. Earlier contact would have prevented this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I submitted for dispute for a credit card. I never recieved a signed contract with my signature, copy of my ID or social. I'm still trying to repair my credit and it is crucial I receive the information I'm requesting. This is a matter that needs to be addressed. I disputing this account to be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine. 

I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed. 

I need the collection removed from all my 3 Credit Reports. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation