vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT CREDIT ONE REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX XXXX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX  3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX  

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

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 non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. 
This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: WI

Complaint narrative:
On XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX  XXXX also known as Premier Student Loan Center, regarding my annual for the Federal Student Loan forgiveness program, XXXX requested 2 of my most recent paycheck stubs in order to process my renewal. I gave these to him. 

He confirmed he received them on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX Department of Education Loan Servicing stating that my request was received. 

On XX/XX/XXXX I received another email from XXXX stating that my request was reviewed and approved, I received another email from XXXX stating that there were forms in my XXXX inbox that needed to be reviewed. I logged into my XXXX account to review said forms, while logged in I decided to take a look at my account summary and see how much my new payment amount would be and how much I have paid down since my last renewal. To my surprise, it showed that I have never made a payment. This was very alarming to me since {$30.00} is deducted out of my checking account every month. 

I called XXXX on XX/XX/XXXX to see what was going on. The rep that I spoke with stated they have in fact never received a payment from me as I have qualified for the {$0.00} monthly loan amount with my last few renewals. The Rep and I took a look into it and found that the company ( XXXX XXXX XXXX also known as Premier Student Loan Center ) was reporting my information to XXXX incorrectly, increasing my number of dependents to put me in a different payment bracket. The Rep at XXXX was very helpful. 

After my conversation with XXXX, I went back and took a look at all of my email correspondence with XXXX XXXX XXXX also known as Premier Student Loan Center and found a contract from XX/XX/XXXX. The company has been charging me {$30.00} a month plus additional start up fees, to submit my renewal to XXXX, they have been reporting the information to XXXX incorrectly and could potentially damage my credit with the program as well as my credit future. 

The contract with XXXX XXXX  XXXX also known as Premier Student Loan Center was never explained in such a way and has now cost me {$1400.00} in fees of which I thought were going toward my student loans. I am concerned that I am not the only one with the issue and being on the limited budget that I am, this is very concerning to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AR

Complaint narrative:
There is a negative information reported by XXXX XXXX XXXX XXXX-XXXX XXXX in my file that is under my Social Security number. Upon reviewing a copy of my credit report from Lexus Nexis, I see an entry listing Chapter XXXX Bankruptcy on XX/XX/2018 date. I challenge the accuracy, fairness, compliance, and reportability of this listing, also I stated for them to please validate this information and provide me with copies of any and all documentation associated with these account bearing my signature. I formally request that this information be immediately deleted from the credit file they maintain under my social security number. The United States Bankruptcy court do not report any activity to credit bureaus, nor do they verify that the information report is accurate. This part is the second and final comments of this dispute. The first part of this dispute is in the documents that is attached and being 31 days or more apart, however the first document is dated XX/XX/2018 with the asking in a goodwill attempt. There is two documents attached. ( I haven received a response ) If any more imformation is needed. yours truly..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a gold certificate in XX/XX/XXXX from a financial services company called XXXX XXXX XXXX. I purchased 4 ounces and received a certificate from XXXX ( attached ). XXXX ( Agent ) was a subsidiary of XXXX which became XXXX XXXXXXXX in XXXX, and XXXX XXXX in XXXX. The Supplier was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which became part of XXXX XXXXXXXX XXXX in XXXX, and Bank of America in XXXX. I'm trying to cash in my certificate, and I've had no luck going through my contact at XXXX XXXX, which is the current financial services arm of the Bank of America. They claim to be unable to trace the purchase records. 

I can't understand why these records can not be traced since I've retained all the original information on the purchase along with the original certificate and precious metals voucher. As the financial institution that " inherited '' the original supplier, I believe that the Bank of America should be able to honor the sale of my certificate for 4 ounces of gold. 

I appreciate any help you can give 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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.

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 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
Hello I have direct Deposit to my Netspend card from my job, I was supposed to receive my deposit XX/XX/2018, I technically get paid the XXXX but with what they advertise it will be 2 days faster, here it is XX/XX/2018 and nothing. Still no deposit I called several times yesterday and was provided no information at all, yes my employer sent my money over, I have my paystub with last four of netspend account number, still not there. First time i called they said and hour that was at XXXX XX/XX/2018 by XXXXXXXX XXXX same day I called back cause zi still have not received my money. They told me wait a few more hours. I called again and was told XXXX is having direct deposit issues. All I want to know is where is my money, I have rent to pay bills to pay this is so unfair. My deposit was for {$1000.00} They are not playing fair I couldn't get any time frame when I will have my money They have my money but no answers

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX my Transunion credit score was XXXX and went down to XXXX for no reason. Nothing has changed in the last year. My credit score on XXXX my score is XXXX and has not changed. I called Transunion and talked with 3 different supervisors that said the same thing, " if I don't have or use credit my score will go down ''. If that is true my score would have gone down on the other two reporting agencies. I filed bankruptcy in XX/XX/2017, at that time my credit score was about the same on all three reporting reporting agencies was about 500. It has been going up consistently sense filing bankruptcy. I'm trying to get my score up to where I can buy some land to put my home on and can't with my score at XXXX. Transunion has made a mistake in calculating my score and I'm tole that there is no one there can fix it. I left my phone number with the last person I spoke with to have his supervisor call 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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting 3 collection accounts that do no belong to me. I believe it is because I am a Senior and my son had the same address for a period of time. They are reporting that XXXX XXXX has 3 medical collection accounts with account numbers : XXXX, XXXX, XXXX. 

Experian is not reporting the contact information for XXXX XXXX so I can contact them and ask them to remove it and conduct an investigation so I have to guess who they are and try to find the company. I have never heard from XXXX XXXX and they have NEVER attempted to validate this debt yet Experian just puts it on my report with no notice or way to contact them.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2018 I went through the product selection and purchase processes on the SEARS website to purchase an item. When I arrived at the Payment & Billing section it shows an extra discount if you Apply & Use Now for a Sears Credit Card.

It is a very simple and direct button.

Apply & USE NOW.

The card was not even loaded into the bank 's website for me to retrieve the credit card # and security code.

They will mail the card to me - but, the item I am trying to purchase may not be in inventory anymore. 

I had my credit report run. Had I known that I could not Use Now as the button stated - I would have selected a different payment method and not had my credit run. 

The site needs to be updated and it should state that the card can not be used, until it is physically received in the mail. It should not state apply and use now. It should state apply and use when you receive the card in the mail.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
The new company is called Diversivied Consultants calling on behalf of XXXX XXXX. I keep telling them that i didn't have XXXX and that they have the wrong person. They keep calling day and night. The balance is over 1400.00 and i pay my bills every month if this was my bill it would have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: TX

Complaint narrative:
Direct deposit was not added to my card. Tried call ing NetSpend and XXXX and was told there was a glitch which unbeknownst me was happening for more than five days. No one contacted me as to the problem occurring which would have allowed me to contact my employer to not do direct deposit and find other means of recieving my paycheck. XXXX and NetSpend have disabled their phone lines preventing anyone experiencing problems with their cards from contacting them. My rent s due and my food supply us low. I need my money  now!

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
XX/XX/2018 Today is payday for me and no direct deposit and when I called no one answered or I was on hold for an hour no via emails or phone call about any problems ( they are not answering calls for this problem )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX18, my card was charged in the amount of {$100.00} by the XXXX XXXX XXXX In XXXX XXXXXXXX, Oklahoma. 

On a bill that I opened in XXXX, I became aware of this charge and reached out to CITIBANK GOVERNMENT CARD SERVICES on XX/XX/XXXX18 to inform them that I had not made this charge and never booked travel in XXXX XXXX, Oklahoma. I was sent an AFADAVIT to my government email, which is password protected and transmitted electronically using their XXXX form. I completed the AFADAVIT and returned it on XX/XX/XXXX. 

OnXX/XX/XXXX, I contacted CITI to get a status of my dispute, as my card was reported as delinquent. I also contact the XXXX XXXX XXXX accounting department, and they were unable to locate any information referencing my credit card number or a booking for that night. 

I was told that my AFFIDAVIT was never received. I resent my AFFIDAVIT via fax and email. 

On XX/XX/XXXX, I received an email confirmation that my AFFIDAVIT was received. 

On XX/XX/XXXX, my account was closed and suspended, and I incurred a XXXX late fee. 

I reached out to CITI on XX/XX/XXXX and was told that there were no record of the affidavit and that I need to reach out to the government travel office in order to get a refund. I contacted the government travel office who reported having no record of that hotel booking.

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 2018-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This complaint is related to my home equity line of credit. I have a permanent late fee suppression that was supposed to be placed on my account. In XXXX due to a technical issue they started charging me late fees again. After numerous complaints they admitted their fault and fixed the issue and sent me a letter in writing admitting to their mistake and agreeing to fix the problem and never charge me a late fee again no matter the circumstance. But guess what, Wells Fargo is notorious for failing to live up to this obligations and promises and most recently as of XX/XX/XXXX charged me a late fee again. How is this bank allowed to keep its charter? They have committed fraud across a wide swath of their lines of business which they have actually admitted to, lied to its customers, stolen from its customers, and failed to live up to their obligations. Not to mention lied to the government and regulators as it relates to their cleaning up of past abusive, negligent, and proven fraudulent business practices. I have been damaged in so many ways by this bank but unfortunately since they are the servicers of my mortgage and home equity line of credit, i have to remain dealing with these unethical crooks. On top of that, they have failed to help me in my time of need and hardship to modify my mortgage to an affordable payment. That will be a separate complaint with detailed evidence of their gross negligence and 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 monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Company involved in Gla. When tried to make arrangements, was told I owed a lot more money than was showing on credit report, and that I owed large amount in interest. I already was having trouble paying doctor and hospital bills.

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