vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the FCRA.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Credit bureau is reporting inaccurate information to credit file, I have no accounts or contract with creditors. In addition unauthorized inquiries were listed. 
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 Acct # XXXX XXXX XXXXAcct # XXXX XXXX-Acct # XXXX I have asked for proof of Id of person who open the accounts as well as other identifiable 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 non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing account number XXXXXXXX with Transunion for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from XXXX credit bureau then list it with another. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL XXXX Credit Bureaus and never reentered on my credit reports again.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion Credit reporting agency has defamed my name and credit by posting unofficial residential addresses and 14 year old addresses on my credit report. I have asked TransUnion to remove those addresses and its response was to further denigrate my credit history. As a result of TransUnion 's failure to represent my personal information, I 've had lost out on job bids, had to get a cosigner to rent apartments and become XXXX with other XXXX thoughts. I 'm seeking financial reward in this matter. This is a discriminatory personal intention to ruin me financially with false reports. Inaccurate reports with data over ten years old.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I learned that I have been the victim of credit fraud this morning, XX/XX/2017. I have contacted my financial institution and the local police department. I then contacted the credit bureaus to report the fraud and get a security freeze. XXXX and XXXX went will. 

But I have been trying to find a way to get the security alert on Trans Union. The information I found leads me to their website at https : //freeze.transunion.com. As I go through the steps, I see there is no charge for security freeze to victim, but this website is trying to charge a {$10.00}. There is not options or links to get the freeze service for fraud.

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 2017-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see CFPB Case # XXXX and OCC Case # XXXX. I received a response concerning the cases cited above from Wells Fargo Bank ( WFB ) dated XX/XX/2917. That response is attached. In that response WFB admits they acted contrary to the laws of the State of California. I ask that as part of your investigation your review this illegally obtained recording of my telephone call with WFB. You will discover that not only did I ask not to be recorded but WFB advised me that I could not talk with them unless I consented to being recorded. Instead of providing and immediate remedy by removing the illegally recorded telephone call from their database, WFB advises in their response letter that I must now send a separate " letter '' asking them to remove the illegally recorded telephone call. WFB in their standard method on operation has not only demonstrated clear and deliberate indifference for law and statute they now want to place further burden on me to get their illegal activity remedied. This kind of indifference should result in swift and substantial monetary sanctions imposed on WFB in an amount so as to induce WFB to get their act together.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in Information to Dispute 2 creditors listed below : XXXX acct # XXXX XXXX acct # XXXX And did n't receive any information nor documentation that the Items were verified, but a letter from Transunion stating that the creditors will remain ion my report. I sent the same letter to XXXX and these Items were removed from my report. attached is a copy of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
There is a collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received Wells Fargo Credit Card without my consent/request couple of years ago. I have taken this complaint to wells fargo bank location in Maryalnd, but they did not accept the complaint, and I ended up having the card. Now until recently when I read about Wells Fargo fraud complaint I realized that this is about the same incident happened with me and I should report this.

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 2017-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A judge ordered Capital One to cooperate with us in getting a modification. Capital one have a history of lying about dates. Last time in XX/XX/2016 they sold out house even though we were not notified, and AFTER approving a modification. We kept telling them we never received the mod and they said they sent it to wrong address but never fixed it. Now after a judge overturning the sale cap one are supposedly working on a new mod but they have a sale date set for the house of XX/XX/XXXX. One honest manager said a sale date should never have been set during a. Modification and they would make sure the sale date was canceled or at least moved out by 90 days. That was 4 weeks ago. No change to sale date and no return calls from escalations. They are just lying again and stalling so that they can take the house. We are supposedly in underwriting for a mod so how can they have a sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC
State: WA

Complaint narrative:
I did a international transfer on XX/XX/2016 of XXXX to XXXX ( XXXX ) using 3-5 days of remit service and they showed on their website credit date of XX/XX/2016. I received a confirmation email from their system as well as one of their agents emailed again confirming the date. I did n't receive the money on XX/XX/2016 and when contacted them by calling, they simply denied saying XX/XX/XXXX is a holiday and the amount will be credited on XX/XX/2016. I will incur monetary losses due to this delay. When initiating the transfer their system was n't able to verify the holiday and also an agent personally confirmed the date. They provided a range of 3 to 5 days and they are conveniently taking consumers for a ride. I see several remittance related complaints for this company and feel it 's moral responsibility to report against to protect consumer rights, they should be suspended from business for not following ethical business practices. XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: VA

Complaint narrative:
I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am putting a complaint against barclays card cause in XX/XX/XXXX i lost my credit card and there were fraudulent charges made to the account. They sent a letter denying my claim saying because they were confirmations made by text of charges that were done to the account. After reviewing my text confirmation from barclays they sent a text on XX/XX/XXXX at XXXX for a charge from XXXX for {$170.00} for that was processed twice at XXXX i confirmed this charge as i knew the merchant. on XX/XX/XXXX they sent a confirmation text for a XXXX charge for XXXX in which i was in the middle of a hospital visit because i had an XXXX. I accidentally pressed 1 for confirming instead of the 2 because my XXXX and i XXXX. i received another text when i left the hospital for another charge in which i responded with the XXXX and called in and explained to the representative the situation. They are trying to say these charges were valid and i did not do any of these charges. They are trying to hold me responsible for charges that were not authorized by 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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Innovis
State: NY

Complaint narrative:
I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

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 2017-03-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
I had an account with XXXX bank. A day after I deposted XXXX $ into the account I tried to log into it via online and it said to call customer service. When I called I was directed to a " supervisor ''. This supervisor told me that my account was closed because I was " committing fraud ''. When ask to clarify he said he did n't have to explain to me, and when I asked to speak to his supervisor he said that he did n't have to and proceeded to hang up on me. 
When I called back I talked to a gentleman named XXXX. After putting me on hold for ten minutes after explaining my previous phone call and also requesting to speak to a supervisor he proceeded again to tell me that he talked to " everyone '' and that they decided to close my account because I am committing fraud. When ask to clarify he said he could n't and also when asked to speak to a supervisor he also said he could n't. When I asked if there was a phone number of a complaint department he proceeded to put me on hold for another ten minutes before I hung up because it seems pointless to me. 
My bank account from XXXX was linked externally to an XXXX Account that is funded by my employer XXXX, no where else. So for them to I am committing fraud and to not give me any information, and also not letting me talk to a supervisor and being rude and hanging up on me I would like some answers please. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: IL

Complaint narrative:
I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called to raise my credit limit, without authorizing or being told. I would have NEVER allowed a credit check, as I am trying to purchase a home and need to have a clean check history.

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 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
This financial institution gave me a vehicle loan and as stated in the lease I was told that if i was ever to lose my job that i could turn in the vehicle and claim a financial hardship so that it would not go on my credit report. I have made numerous phone calls to contact XXXX who is supposed to he in charge of this and never recieved a reply. I have faxed them the documentation they requested from my previous employer stating that I no longer work there and every attempt I have made to contact them regarding this has been ignored and now this debt is in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: IL

Complaint narrative:
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have had PennyMac as my mortgage company for over 2 years and they are consistently not paying my taxes. Money is coming out of my account in escrow each month. Most recently I called on XX/XX/2017 after I received a late notice from my tax collector. They said they would process for payment. A month later I received a judgment from my township because my taxes were n't paid. A customer rep said a payment was made for {$1300.00} on XX/XX/2017 - nearly 2 months after I called. This does not include any late fees. I 'm appalled this continues to happen. I 've asked them to please remove the {$220.00} PMI fee that I pay them to insure my monthly payments are made. What assurance do I get my taxes will be paid?

Company response to consumer: Closed with non-monetary relief