vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 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: NY

Complaint narrative:
XX/XX/2018 XXXX, Equifax and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an overdraft on my wellsfargo account that I am disputing. I used to live with my parents when I first started the account and no longer do. Wellsfargo not only repeatedly calls my parents home phone, multiple times a day, but also on one phone call, actually began to speak to my parents about the situation violating my right to privacy by speaking with my mother about my private banking 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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewd my credit report from XXXX and XXXX and the collection XXXX XXXX XXXX has been deleted upon the investigation account was verified not vaild. I have attached copy of my credit report from XXXX and XXXX. 


Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Received unsolicited offer for XXXX XXXX gold credit card in mail XX/XX/XXXX. Was promised XXXX bonus miles, so requested card. When it arrived, I had a question about online access, so I called their customer service number on XX/XX/XXXX. Was told during this conversation that I was ineligible for the offer because I'd previously had a similar card several years ago. This restriction was nowhere on the Terms and Conditions of the offer I received. I would never have accepted the offer if I'd known that. This is false advertising. I have canceled the card because the company refused to honor the offer they made and I accepted, but I resent the hit on my credit because of their misleading offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone attempted to open 5 different credit cards in my name using stolen information on XX/XX/2017. I was alerted by XXXX XXXX of this attempted fraud. I contacted each lender to explain the situation. I asked that the requests for credit be declined or the account closed and that the hard inquiry be removed from my credit report. It has now been almost 8 months and Capital One ( Saks card ) STILL has not removed the hats inquiry from my credit report. All the other lenders did so immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: NY

Complaint narrative:
XX/XX/2018 TransUion, XXXX and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express offered a promotion where I would receive XXXX bonus SPG points per cardmember that I referred. 

I referred at least 3 Cardmembers in XX/XX/XXXX and to date ( XX/XX/XXXX ) I have not received the promised bonus. 

I have reached out to American express about this multiple times and they haven't given me any answers, only telling me its under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.

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 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due  XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank agreed to a settlement & to remove negative info off of 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 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
I received a call from Commonwealth Financial Systems on XX/XX/XXXX about an unpaid amount that was presumably pending with a healthcare provide in Ohio from XX/XX/XXXX. I explained to the caller that I had already paid everything from a brief visit in that location back in XX/XX/XXXX. My apt was very very near that location for three years and had never had any notice, call or request from that facility to pay any amount. I was also given a name of a person in that facility whom I have never met and specifically explained the same to the person from Commonwealth Systems. I explained that there must have been some kind of a mistake or mix up. Today XX/XX/XXXX, I received an alert on my credit report about a negative item. It is about the same amount and from XXXX XXXX. I had no prior knowledge on whether there was some inquiry, never received any proof of my owing that amount. I had a spotless credit report before that and have never owned any amount of money to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX  the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.

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 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: KY

Complaint narrative:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: NJ

Complaint narrative:
The company never provided details of the alleged debt when requested I have disputed this debt which I do not owe, I am an employee of XXXX XXXX and this should have never become a collection matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, This has to do with Wells Fargo taking over my mortgage from XXXX effective XX/XX/2017, advising me of the transfer of my account. They are charging me an extra charge of {$XXXX} extra for taxes. Where they are charging an extra amount of {$XXXX} I have no idea. I sent them a copy of my property appraisal information, where it states on that document that I'm exempt from any taxes since I'm a XXXXXXXX XXXX XXXX Veteran and except from homestead taxes and I'm over XXXX years of age, But they continue to charge me the {$XXXX} for the last three months..As I've tried to contact them my email and still now answer from them. paying and {$XXXX} My loan number XXXX their phone number is XXXX and their website is wellsfargo.comXXXX Their email address is https : //welsfargo.customercarenet.comXXXX.   My loan number XXXX. Phone number 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 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Upon reviewing my credit report there is an collection account from Phoenix Financial Services which notes an {$85.00} medical. My credit report states this was open on XX/XX/2017, This debt and account is inaccurate and not mine. I have never received any written communication in reference to this account or any knowledge of this. I have not received any medical treatment on or around the date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
On my XXXX credit report a debt to XXXX XXXX for {$1000.00} for services on an address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This is not my debt I have never lived in XXXX XXXX SC or anywhere in South Carolina nor have I ever given anyone permission to open an account in my name. When I disputed this charge with XXXX they told me to contact the collection of Amisher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX for a resolution. I have written to Amisher Collection Services but they have not given me the courtesy of a reply. Also XXXX said they could not remove the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

So I am asking that you have the XXXX XXXX debt and the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX removed from my credit report as neither of these things belong to me and should not be on my credit report. 

Thank you for you assistance in this most depressing matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR

Complaint narrative:
Collection Bureau of FWB XXXX XXXX XXXX. 
XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. 
I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems

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 2018-05-06 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: NY

Complaint narrative:
XXXXXXXX XXXX agreed to a settlement & to remove negative info off of 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 2018-05-06 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: NY

Complaint narrative:
XXXXXXXX XXXX agreed to a settlement & to remove negative info off of credit reports.

Company response to consumer: Closed with explanation