vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bowen & Associates Recovery, Inc
State: GA

Complaint narrative:
I received a call on   XX/XX/XXXX  for th e first time from an "  XXXX   XXXX  '' who states he represent s Bowen and Associates  (  XXXX  ) stating my husbands company owes his client {$5300.00}, very antagonistic, making personal attacks, would not answer any of my questions explained to him I didnt have anything to do with the company and asked if he had called my husband. I thought it was a scam.Then he called my work number and did the same thing on my work number ( I work at an   XXXX   XXXX   ). Since my husband nor I knew anything about this debt ( it seems to be related to my deceased father in laws  XXXX  that my husband took over ), we started looking into it.  XXXX   XXXX  called my   XXXX   s  tating he was coming to serve me papers ( he is located in Tx and not Ga  ) and told her information about the debt. He also told me he would be coming to  my house to take pictures of it and to my work. He was instructed not to come to either location. He was also instructed not to call my work number.  Hes  continued to call and leave harassing messages on both my husbands and my cell numbers and my work number ( I have recordings of the antagonistic and degrading calls ) Last night he called the  XXXX  late in the evening and my   XXXX   answered and he represented himself saying that I had " hit his truck last week and owed him money '', my husband is looking into the debt with the actual company he states we owe it to and is working to make arrangements ( even though it was a debt related to his dads estate and when he was running the company ) and has informed  XXXX   XXXX  of this and asked him to stop calling, I 've called and made a police report as requested by my  XXXX /employer because they are concerned about the calls and him stating he is going to come to the   XXXX  . I have limited knowledge about the company, my husband has only acquired partial ownership since his fathers death and only owns   XXXX   XXXX    of it (    and, it was a ctually only  XXXX  up until last month ) - we are working to resolve this with the company we owe the debt to but it will most likely be over time.

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 2017-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On   XX/XX/XXXX  I  made an  XXXX  purchase through Paypal. When the item arrived it was not what was advertised in the listing. On   XX/XX/XXXX   I submitted a dispute through Paypal. Paypal did not find in my favor & essentially let an   XXXX   seller perpetrate a scam.     I 've been trying to close my  Paypal account ever since. I keep encountering electronic problems online. I finally called Paypal  o n  XX/XX/XXXX  & w as told by someone in the  XXXX  they could not close my account b/c there was a pending charge. I checked & this was a lie. The charge had already cleared my bank. I called again  on  XX/XX/XXXX  & i nsisted they close my account. Once again they lied & told me they could not close the account b/c there was a pending charge.      Does Paypal th ink I 'll continue to use their service b/c they 've refused to close the account?????

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX   XXXX ,    2017 fax ed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX   XXXX   XXXX  ,2017 that  XXXX   XXXX  reported the information a s discharged and that Case num ber  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   is currently not reporting on the  XXXX  credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,    2017 I  sent a reinvestigation request with a letter from Michigan  Federal Court stating they do not supply information or validate info rmation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX   XXXX  2017    faxed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX    XXXX  ,2017 that  XXXX   XXXX  reported the information as discharged and that  Case number /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the   XXXX   credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,   2017   I sent a reinvestigation request with a letter from Michig an Federal Court stating they do not supply information or validate inform ation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

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 2017-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in  XXXX  the house was approached for  XXXX  but a house seemlier to my house in the  XXXX   XXXX  sold for  XXXX  i tried call to explain to  navy  that the  XXXX  used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On  XXXX   XXXX ,  2017  I noticed a collection for {$200.00} had been added to my credit reports. On  XXXX   XXXX  I called each credit bureau and disputed the collection. Just 8 days later on  XXXX   XXXX  I received notice via email by Equifax that the investigation was completed. I viewed the results and seen it had not been removed. I then called and asked for a method of verification via FCRA Sectio n 611 and what information was used to determine it was my debt. Equifax did n't provide this information, instead restarting the investigation. Again about 5-7days later saying the debt was " verified ''. I called again and asked for a supervisor and as ked again for documentation to verify how my debt was determined . Again nothing. I then sent a certified letter request verification, which under the FCRA Section 611 ( a ) ( 7 )   should be provided to me within 15 days of requesting which was n't and instead AGAIN instead of providing this information, they again restarted an investigation. Since then, both  XXXX  and   XXXX   have removed this debt from my reports, yet still it remains on Equifax. I also have contacted the original creditor which provided me with a statement. As you can see on the attachments, neither my address nor does the account number match that of which is being reported, which by law means it should be removed from my credit reports, which only Equifax fails to do. I believe unlike the other agencies, Equifax failed to provide a real investigation, because in doing so, they would have seen these mistakes and removed this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a new checking account wi th Wells Fargo  on  XXXX   XXXX    XXXX  . They had a promotion going on which was if you deposit money into your account and make  10 different tr ansactions that you will receive {$250.00}. It says you should recieve the money before 45 days, no later. I 've met all the requirements and have n't recieved anything. I went to the branch where I live and they said that the offer expired, which they were right it did expire but not until  XXXX   XXXX , I already met the requirements before then. My husband opened up his account and did all the requirements when I did and he already recieved hu sband 2 weeks ago. I called customer service and they told me I would be recieving the money that day, that was 2 weeks ago. I 've tried calling again to let them know I have n't revived anything and th ey told me I was n't eligible. So now I 'm confused on if I 'm getting lied to or if they do n't have the funds. I met every requirement, so I 'm confused as how I 'm not eligible.

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 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My current mortgage does not appear on my report for  XXXX  agencies and shows an incorrect balance on the other. I have been trying to get this fixed FOREVER being met with extreme requests ( copies of my ID and full credit report ). I just need this account to SHOW UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
My complaint is with  XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a    one year  lease at the time we were told that we had to use  XXXX  in that area because  XXXX  were not allowed. We called them for tv,  internet service  for a year and i n    XX/XX/XXXX   I called them and ask them to discontinue service which they said they would and ask me if I would keep  XXXX  and I explained to them that their services were not available in the area we had purchased our new home. the in  XX/XX/XXXX  I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he  XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in   XX/XX/XXXX  a nd did not owe them, now they have informed that my call to them to disconnect the service in   XX/XX/XXXX  did  not count as they billed me for both  XX/XX/XXXX  and I guess half   XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once.   XXXX   XXXX   XXXX    was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TCF NATIONAL BANK
State: WV

Complaint narrative:
XXXX   XXXX  in  XXXX  Va  XXXX  (  XXXX  )  XXXX  pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from  XXXX  a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am filing a complaint against  XXXX   Dept of Education , because they had reported and continue to report that I have two late/miss payments for  XXXX   XXXX  on all  XXXX  loan accounts, this is incorrect because I was in school at University of  XXXX  during this time with in school deferment up until  XXXX   XXXX , after that I was approve for deferments  XXXX  &  XXXX  and currently have an Unemployment deferment for  XXXX . I have been in deferment since I started school in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Buy  XXXX / XXXX / XXXX  Att  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX / XXXX / XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

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