vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
Credit Bureau of the South called me very rude she didn't explain anything but gave me amount of two bills a water bill of a resident that I never lived I tried to explain that to her and she continued to say how do you want to pay. I told her I would not pay over the phone and she stated that okay I will tell them what you stated. She was very unprofessional to the point that I would never want to pay anything to their Bureau especially over the phone I wouldn't trust them. I never heard of them so I did a XXXX search they also had very bad reviews by other customers as well. If I owe any money that's perfectly fine but the way that you treat your customers is Despicableif I owe any money that's perfectly fine but the way that you treat your customers is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TX

Complaint narrative:
XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My sister 's information is intertwined with mine on my credit report. We have the same initials, were both born in XXXX, and our SS numbers are only one number apart. I have excellent credit, and have had no problems to this point because of the confusion, but that could change. I tried years ago to have it fixed, and got the run around ... was basically told it couldn't be changed. Her name is on my credit report under my SS #, surely there's a solution. I have encountered issues where they ask me about previous addresses during security checks ... and they have hers mixed in with mine. It's confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Due to the confusing nature of the way hotel charges are processed, my account became overdrawn when multiple hotel charges were processed, then removed and reappeared on my account. My checking account is currently overdrawn due to this practise. These transaction occurred during the month of XX/XX/XXXX and XX/XX/XXXX in the amount of {$270.00}. I contact Wells Fargo to explain what happened and seeking a resolution in XXXX, they were unwilling to consider any options.

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 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX i checked my credit report and all my inquires were deleted, I logged in today and all the items have returned and my credit score went down.

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 2018-03-08 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I issued a check back in XX/XX/XXXX to my landlord in the amount of {$1800.00}, by which he reported losing the check. I in turn issued a new one to cover the lost check reported. 

Fast forward to XX/XX/XXXX, my landlord came into PNC bank and cashed a 4 year old check. I reported the check to the local XXXX PNC on XXXX XXXX and spoke to XXXX the Banker. He mentioned that this was a bank error ( teller error ) and that checks stale date after 180 days or six months, he would get back to me in the coming days. 

Three days later I had to call him back and he said their fraud department denied my claim. 
I feel that I was lied to and misrepresented by this banker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
On XX/XX/XXXX, I started receiving calls at work from rent recovery solution about a debt from XXXX XXXX XXXX managed by XXXX XXXX. I finally spoke to them and ask them not to call me at work and gave them my phone number, they called me after that and I ask them to send me proof in the mail abouit the debt and they claimed they emailed it to XXXX but my email is XXXX. I made it very clear to them that if i dont receive detailed proof of the charges i will not discuss any payment arrangement. On XX/XX/XXXX, i receive a letter ( see attachement ) fom them finaly thinking it was the detailed list of the charges but no it was just a copy of my lease from the XXXX. The lease only proved i lived there but it does not prove i owe the debt i am being contacted about, i called them again today XX/XX/XXXX and spoke to XXXX XXXX and told her what i received in the mail only for her to tell me they sent correspondence to the above wrong email which i never got of course and said she will send me one via the post office then told me she was hanging uop on me so i called back and I asked to speak to a supervisor and one XXXX came on the phone and was very rude and told me they are not sending anything else and that she will mark my account as disputed. She also kept on insisting that i just confirmed i received the proof from them and i was very clear that i only received a copy of my mail and a cover letter stating the amount of the debt but nothing that actually tells me what iam being charged for. I am attaching the only mail i received from this compay. All i am asking is that they follow fair debt collection practices. They have already placed this debt on my credit while they have not verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX. All my credit card accounts and other loan account were current never late. After filing bankruptcy the accounts all show closed but they all show late after XXXX. i was never late on any account even before filing on XX/XX/XXXX I have asked and disputed the information and all i get is it is accurate. This is hurting my credit scores and is hurting my ability to improve my credit after bankruptcy. Experian is the only company that is showing this issue. I started my first dispute on XX/XX/XXXX. I also called experian multiple times. My credit score difference between the 3 reports is roughly 40 points lower with experian.

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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX my husband had the internet account and I had landline account. We moved addresses together and XXXX merged the accounts without our permission. When they did this an erroneous balance was created. XXXX claims I was making payments to the wrong account number ( which they had merged/changed without notifying me ), this was not true. I dealt with XXXX in XX/XX/XXXX after I received a collection notice and after HOURS of my life wasted chasing down tickets was told the issue was resolved. Imagine my surprise when 2 years later, in XX/XX/XXXX I received a collections notice stating I owed XXXX {$210.00} from XX/XX/XXXX. I have spent many hours creating a new ticket and trying to reconcile this. XX/XX/XXXX- 40 minutes with XXXX , being told ticket was pulled from collections and being investigated XX/XX/XXXX- 36 minutes with XXXX told ticket XXXX would take 2 more weeks to process and to call back on XX/XX/XXXX XX/XX/XXXX- no notification about any resolution, received call from collections agency. 
called and was on hold with XXXX for 20 minutes before being hung up on.

I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I attempted to send an International Wire.

That wire was declined and I was provided a customer service number.

On XX/XX/XXXX I spoke with a representative at that number. They refused to process the wire, despite the paperwork being correct, saying I needed to go to a branch. 
The closest branch is over 100 miles away, as the bank has closed branches claiming they can provide full service via mobile. 
This is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They have called my job in numerous occasions and after hours. My manager pulled me aside with a warning about these phone calls.

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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter

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 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please refer to the CFPB complaint # XXXX submitted on date XX/XX/2018 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address? 2 ) When entering ABA routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- At that time - at least 5 times Chase reached out to me during my work time - 5 times 4 different folks. Every body assured that they are working on this issue but even now this issue is now fixed.

Today i tried to transfer out money from my chase business account to my ally bank account and faced the same issue.

Neither i can transfer using the ACH ( routing # and the account # ) nor using XXXX. 

They said they are merging both the profiles..but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has placed my home in active foreclosure status without informing me of such action via regular/certified mail or phone. On XX/XX/2018 I attempted to make monthly payment of {$970.00} at their XXXX, PA Branch office and was told my payment can not be accepted because my home is in active foreclosure status. This was a shock to me because I received no communication of this information from Wells Fargo. I am 3 months behind but told them on numerous occasions of my intention to bring account current. I believe I deserved to know my home is being foreclosed on. They are preventing me from reducing loan amount in order to foreclose on my property ; THEY SHOULD BE HELPING. 

Thanks for your time

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 2018-03-08 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: IN

Complaint narrative:
The TransUnion Online Dispute webpage does not function. When you get to the final step and click " submit '' nothing happens. It is impossible to submit a request for investigation online. The website does not function forcing customers to use alterative processes that are more time consuming and delay the investigative 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