vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: FL

Complaint narrative:
I was reported 30 days late but I made my payment on time.   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 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX   XXXX   ca n't link to my bank which is Bank of America

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
COMPLAINT : TRANSUNION,  XXXX ,   XXXX   XXXX     MILLION CONSUMERS IN CA L.  XXXX  MILLION  CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO    XXXX   INQ UIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN  XXXX  INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  10 INQUIRIES  EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING  WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE  XXXX  MILLION CONSUMERS IN CAL, THE  XXXX  MILLION IN LOS ANGELES COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH  XXXX  AGENCY  AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES T  O THE CONSUMER???

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
COMPLAINT :  XXXX , EQUIFAX,   XXXX    40 MILLION CONSUMERS IN CAL.  12  MILLION CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX   IN CAL IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO   XXXX   INQUIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN ONE INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  XXXX  INQUIRIES EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE 40 MILLION CONSUMERS IN CAL, THE 12 MILLION IN   XXXX   XXXX   COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH ONE AGENCY AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES TO THE CONSUMER???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: NV

Complaint narrative:
Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: NV

Complaint narrative:
Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
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 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trans National Credit Corporation
State: FL

Complaint narrative:
I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
To Whom It May Concern : This is in reference to your letter dated   XXXX   XXXX  , 2017 regarding an alleged shortage or deficiency in the escrow account related to your mortgage.
Please be advised that we do not have an escrow account with Select Portfolio Servicing ( SPS ) or any account for which we have any contracted responsibility with SPS.
This letter also disputes and denies that SPS is the mortgage servicer for any account related to our mortgage. SPS is a known sub-servicer / vendor acting on its own and for its own benefit and profit.
This letter further disputes and denies that the account number referenced has any relevance or relationship to any mortgage legally authorized by the parties named in your correspondence.
This letter also disputes and denies that the parties named in your correspondence are any parties who authorized any documents or actions in which SPS attempts to enforce in any manner.
Yours truly,   XXXX   XXXX   Encl : Copy of letter from SPS

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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Hello, Receiving notes from a XXXX XXXX XXXX  stating that we owe a {$110.00} payment to XXXX XXXX, which is not true. I do not believe this is my account as any activity with XXXX many years ago was paid and equipment returned.
The collection attempt is erroneous.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
This company is attempting to collect an amount that is incorrect and that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I and my spouse filed for chapter  XXXX  bankruptcy in  XXXX . 2017. We were aware that my student loans would not be eligible for discharge, but also that all collections attempts would face an automatic stay until the case was discharged.
At the time of filing, Wells Fargo held a private student loan for me, in good standing for 7 years. I received notice from them they that would cease all communications and stop automatic payments ( which I relied on to pay my loan installments ) after we filed.
We received a letter from Wells Fargo dated  XXXX / XXXX /2017 stating that our account, previously in good standing before filing, was in default. A Wells Fargo representative stated that it was still our responsibility to pay during bankruptcy proceedings, even though the company " could not appear to undertake any collections efforts. '' Clearly they were still attempting to collect.
The account did not show as past due on my credit report until after discharge. Wells Fargo took significant steps to make it difficult for me to pay at all, including locking access to my account online, revoking automatic payments, and ceasing to send statements.
They were able to send a default letter immediately after discharge because of an " automatic default '' clause buried in my promissory note, which I was unaware of, and my bankruptcy attorney did not inquire about. Meanwhile they have reported my account to the bureaus as " charged off '' without any attempt to contact me about supposed late status.
Clearly Wells Fargo is using this tactic to put pressure on filers to pay, and I believe they are violating bankruptcy law in demanding payment to have occurred before discharge.

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 2017-07-17 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: FL

Complaint narrative:
I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: FL

Complaint narrative:
I was reported 30 days late but I made my payment on time.   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 2017-07-17 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: AL

Complaint narrative:
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.

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 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I called the number provided on becu website. I ask to speak to a Loan department. Spoke to a lady she asked me for my basic information social security, date of birth, and the reason for my call. I stated my hardship and explained my issues that I was 2 months behind rent and will be evicted, and the reason I can possibly fall behind on my bills on the credit cards I currently have open with becu and I am active searching for a job everyday and I do not have a vehicle due to recent denied request. I have children and been calling around to any charity programs.
After my explanation to her, I was transferred to collections departments not knowing, because he did not state this was collections I was speaking to. I thought I was transfer to Loan department hoping to tell me different options that are available to low income assistant program loans. But the collections person I spoke to did not provide available resources or option available for my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
Credit Adjustments, Inc out of  XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the   XXXX   XXXX   XXXX   XXXX   the following letter ( they do not have an email on their website ). It went to   XXXX   XXXX   who is listed as the president of the company :   XXXX   XXXX     XXXX    XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on  XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via  XXXX  at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely,   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 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX  credit card declined. The last three times I have used card it was declined but when call company was told there was no problem. When I called today, XX/XX/XXXX , the said they had closed account. The card was in my deceased husband 's name. However, within a week after his death, I took death certificate to bank and they changed name of checking account, savings account, overdraft protection, and another credit card. The account that has been closed showed I presented death certificate but a bank employee failed to complete the necessary process. I have used this card with my name on it for almost 4 years ( his death was  XX/XX/XXXX ). This card had a {$21000.00} limit and {$530.00} in cash rewards. Payments are current and balance is {$1200.00}. They will not even give me the cash rewards as will only issue check in deceased husband 's name. It finally registered why they are doing this when was told they were scrubbing accounts ( after 4 years ). When he mentioned it was not discrimination, then I realized they do not want a   XXXX   year old retired person with that high of a credit limit. My charges made have always been low and payments made. This is obviously age discrimination. At the least, I want my {$530.00} cash rewards.

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 2017-07-17 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: Adler Wallach & Associates, Inc.
State: MO

Complaint narrative:
On my  XXXX  report I disputed AWA collections account for {$380.00}. I paid the original creditor   XXXX   on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor  XXXX  shows my account as a  XXXX  balance. I called everyday from XX/XX/XXXX  through XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to  XXXX  who escalated my account to her supervisor to email AWA collections that my account balance is   XXXX  . AWA collections claim they have n't received any notifications from  XXXX . I spoke to an AWA supervisor  XXXX    XXXX   ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.   XXXX   from  XXXX  is adamant that her supervisor sent over the email to AWA and that the balance is  XXXX . This collection account was added to my  XXXX  report as of  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
I opened account with discover over 6 months ago was approved with  XXXX  credit limit I made all my payments on time with this company and all my other credit card company 's. my balance was close to  XXXX  and out of the blue I received an email stating that I was close to my limit. I check my statement   XX/XX/XXXX   it said  XXXX  but    XX/XX/XXXX    I received email stating be cautious I close to my limit. I called immediately at   XXXX   XXXX   to find out how  XXXX  disappear was advise no agent till Monday was available to help me with that question. I called and recorded the call and attached it for your records I because of inquires which I got a new car and had my other car paid for. And because of my good history new company offer me cc and because I accepted them I was lowered without letting me know. My main reason im upset they going to lower my score more because going from a 75 % to 100 % also lower my credit line affect my score. I wish they would of froze it. My income still good to my credit ratio so really think it been unfair decision.

Company response to consumer: Closed with explanation