vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent documents to transunion to investigate the alleged student loan debt from XXXX on my credit report. I told transunion to provide me with an original contract with my signature from XXXX that shows proof that I'm responsible to pay an alleged student loan debt. Transunion responded with a letter stating that my address is out dated. I demand XXXX be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.

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 2019-11-15 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I had moved to XXXX XXXX XXXX in XX/XX/2017. From the day I moved in, I had issues. There were bedbugs and other weird bugs inside the apartment. I complained to management several times. They sent maintenance manager couple of times but he couldn't fix the issue. He said it's an old apartment complex and the bugs were coming from the pipes and A/C unit and there was nothing he could do. On XX/XX/XXXX, I got robbed. I also have police report and the report number is XXXX - Police told me that I was lucky to be alive. Next day I moved out as I was in big trauma. I had already paid the apartment complex the rent and I don't owe them any money. I told them about the robbery and I was traumatized which resulted me to live with my mom for a year until I recovered. This apartment complex is not a safe place and it is not providing a healthy condition to residents as well. My safety and life was in danger there. I owe XXXX XXXX XXXX nothing. They are misrepresenting facts and claiming an amount which I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: TX

Complaint narrative:
I have attempted on several occasion to tend to the account of my student loan debt. I have been garnished by IRS on all tax returns for the past several years, during which time I have been denied any and all access to information about the dispersal of these funds in relation to my account. I can gather no actual data on the thousands of dollars that have been taken from my Tax Returns and applied to the " Student Loan Debt ''. The best that I have been able to gather over the phone is that they have applied 100 % of the monies that they have collected from me to the interest on the loans and not one penny towards the principle whatsoever, which leaves me in a position of perpetual debt with no possible routes to a meaningful resolution. I want to press charges and transfer my debt into the hands of an actual broker whom can handle the debt without engaging in racketeering an openly flagrant blatant abuse of all known audit law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Centron Services
State: MT

Complaint narrative:
A collections agent ( XXXX XXXX ) repeatedly called me, my husband, and my work phone. He tried getting me to divulge information about my husband to him, this is not my husbands debt. He also sent me and my husband numerous collection notices in the mail. This is not my husbands debt, it is my debt. The agent called my work phone last week and he cornered me into answering my debt questions, at work. I told him the debt is paid and to stop calling me and my husband. I paid the debt off with the original medical bill on XX/XX/2019. The debt collecting agent ( XXXX XXXX ) is now sending collections notices to my husband for the collection amount. The debt is paid, and my husband is getting a collections notice dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sent funds via PayPal for a service. The person was suppose to provide a business logo and did not. I emailed the merchant and fiord a claim with PayPal. The person did not provide the logo or a refund. The person stated they didnt receive the funds but PayPal confirmed they did. 

Payment {$64.00} XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Beginning of this month my Walmart account was sold to Capital one The payment is due XXXX of every month. I always log on to see what amount is due so I can be sure I am paying the correct amount. 
I tried to XXXX XXXX and could not get log in! Capital on was no prepared for the transition. 

So I just paid what I did for last month. I was instructed to go to URL WALMART.CAPITALONE.COM. I tried this a got a series of pages and still could NOT get to my account. So I called them and NO help. 

I need online access so I can view my account and statements and make payments This is important in order to keep my account up-to-date To date I have not received a statement nor receipt for my last payment on XX/XX/19 of {$130.00}. 

Everyone in customer service is very difficult to communicate with the just DON'T UNDERSTAND I just basically want access to my account. I am being treated as though it is NOT MY ACCOUNT. 
I know Capital One has had problems with CYBER ATTACKS but DON'T BLOCK ME FROM MY OWN ACCOUNT. I am attaching a copy of the screen I get and can't get online to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My wife loss her job a year ago XXXX of 2018 and it caused a hardship. During this time I reached out to Wells Fargo to request a loan modification I was told that I couldnt apply until XXXX of this year due to the previous loan modification I had a few years ago. So XXXX finally came and I went ahead and applied. The Representative that was assigned to me spoke with me once before the application was submitted then I never heard from him again. I got the notice in the mail stating that the loan modification was denied due to the fact that I was in bankruptcy and they couldnt raise the payment. I have been trying to understand their decision because I could have taken the home out of bankruptcy or they could have lowered the interest rate. I sent in appeal but I was told the appeal was denied and they couldnt give me a reason why it was denied. I have been trying to reach the Representative assigned to my case but He hasnt returned any of my calls. I have also tried to reach his manager and still no response! I feel that Wells Fargo see an opportunity to take the house so therefore, they are ignoring me.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called XXXX XXXX XXXX There should be only that and XXXX on my hard inquiries and there is 20. Im being hurt by all this credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2019 I used the XXXX product offered by Bank of America to transfer {$500.00} to an individual in order to purchase concert tickets. 
Once I realized I was a victim of fraud and didn't receive my merchandise I immediately contacted Bank of America. 
The transaction was still in progress, however, Bank of America indicated there was nothing they could do other than launch an investigation that could take approximately 10-45 days to complete. 

The XXXX website ( XXXX XXXX ) advertises how safe and secure their service/product is and the protection that is offered to you as a customer. 

This is the first time I've used the XXXX product, however, this is a big problem as many new organizations are reporting the vast amount of fraud occurring when utilizing this service. 

My funds were transferred via XXXX to an individual 's XXXX XXXX account, how can this problem not be caught in time and reversed. I notified my bank while the transaction was still in process.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
The lady comes 2 my job harassing me..now she has been coming 2 my house harassing my children, who are under 18, when they get off the school bus ... she has also been harassing them when i am not at home and will not leave..my children are very scared

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Greetings, I received a check as a loan from a friend and I deposited it into my chase bank account. Shortly after deposition the check chase bank suspected the check as fraud and froze my bank account. After contacting them and a long conversation they gave me two options 1- to have the issuer of the check to walk into a chase branch with 2 valid identification cards within 7 business days of that notice and state the check is not fraud or 2- chase bank will call the issuer and confirm that the checks not a fraud. These two options were not possible for me as the issuer is a dual citizen and was not in the country at that time to go into a branch and clear that up ( please note that the check I deposited was with an American  bank XXXX XXXX ) and the second option was not possible because chase bank insisted on only calling a phone number of the check issuer that is registered on public records and there was no available number there to contact her ( I also requested chase bank to reach out to XXXX XXXX XXXX and to obtain a phone number of the check issuer to contact her via a verified number ). As a result chase closed my accounts because they suspected fraud and has withheld that balance from myself and the check issuer till today. I reached out to the check issuer to contact her bank and verify the check which she did and her bank contacted chase to verify the check but chase still refused to release the funds. As a result because chase refused to release me the funds I requested the issuer to request a recall from the bank where the check was issued ( XXXX XXXX ) and she did the bank requested that the check be reversed and chase refused to release the funds. As a result at this point chase is withholding funds of {$1300.00} from my checking account and refuses to release it to either myself or the issuer. Secondly they shut my accounts down which includes my checking account and notified me that they are ending all relationships with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have an advocate that is trying to help me understand this process and also advising me on what I should do. Her name is XXXX XXXX her phone number is XXXX. You may also contact and send information to her about my situation. Her email is XXXX This is the second time I am writing you about this same situation in which they said they will fix it, but haven't yet. 

I spoke to Freedom Mortgage ( Loan # XXXX ) Manager ID # XXXX, on the XXXX of XXXX of XXXX. He assured me that he would send in a request to have all the penalties and late payment fees remove off of my record going back to XXXX, and file a credit dispute to remove the 'late payment report ' off my credit record by the XXXX of XXXX of this year. Since I was never late paying my mortgage and they have received the refund check back from XXXX County Tax Collector. Freedom Mortgage had been applying the Property Tax to my mortgage even though I have a written, notarized document from XXXX County Tax department stating that I have a Tax Deferral that is active as long as I am occupying the property. 
I started getting notice from Freedom Mortgage and Certified letters from XX/XX/XXXX until XX/XX/XXXX saying that I owe a mortgage payment of {$2200.00}. On this date XX/XX/XXXX, I immediately called Freedom Mortgage and talk to a lady named XXXX ID # XXXX, she look at my file and stated that it says that they will not go back to the year XXXX to remove the penalties and because I did not pay the full mortgage which included the property tax. I have been paying the full amount but without the taxes. I was not late paying my mortgage. Now that they have their money back from XXXX County, they are still trying to make me pay more including the taxes which they already have. They are still giving me the run-around with this issue and is not trying to straightening it out at all. I mention to XXXX that this sounds like a 'Law Suit ' to me, because you all have lied to my credit bureau and refuse to fix it and knowing that I am on a fix income of {$790.00}. per month, you are trying to drain every last penny that I get from me. That's when she said she would see what she can do to fix the problem. At this point I am getting another run-around. This has been going on since XXXX of XXXX and it is now XXXX of XXXX, and all I get from Freedom Mortgage is we will try and fix it. I am so tire of this and I can't get out from under them because they have mess up my credit so bad that I can't get refinance from any other company and they refuse to fix it.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prime Recovery LLC
State: GA

Complaint narrative:
Collection agency sending me an email that contains request for payment for a debt. The email contains a request for my employer to provide info about me as if it is for garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called allied auto financing. There should be only that and XXXX on my hard inquiries and there is XXXX. Im being hurt by all this credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: NY

Complaint narrative:
The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had become XXXX XXXX and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the street and I use all my credit cards to survive. I was homeless and crazy for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.

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 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
All my hospital bills consist of me having insurance XXXX  hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCA collections we have had insurance for everything 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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a Vanilla VISA gift card ( issued by The XXXX Bank ) in XX/XX/2018 and the card is invalid when we tried to use it and tried checking the balance at the Vanilla Gift website and the phone number provided. I was not able to reach a person via the phone number. The gift card is valued at {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I have been trying to get a very old debt settled for years and every time I attempt to start to pay they levy an account of mine. The last time was in XX/XX/XXXX, my account was levied and I never received notice so I was never able to contact them, they just did it. This account was dated back in XX/XX/XXXX and Then this levy pops up.

Company response to consumer: Closed with explanation