vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. 
I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! 
XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. 








Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XXXX, I made a {$150.00} payment over XXXX to a close friend, which i authorized. Afterwards chase sent me a fraud alert via text message and called me when I said I did not make the following transations that followed. I DID NOT AUTHORIZE the next transations, and they believed me, and sent me credits back. I asked them to close my account or lock it, and they said they did and to come into a bank Monday. When I arrived at the bank my account was empty again and it was for different amounts from XXXX pay again. They returned 2 out of 5 payments that I was told all went to the same recipient, all 5. They gave me back {$340.00} out of {$970.00} and closed the investigation. I have been calling them almost every day for two weeks and have been into 2 different banks on multiple occasions. I DID NOT authorize these transations and feel I deserve the money returned because I know they have the facts on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a credit alert from Experian on XX/XX/2019 and noticed that I had 3 late payments on my credit report. If you check my credit report from XXXX and XXXX, I don't have any late payments on anything, I have work very hard on my credit report over the years to make sure of that. I am in a process of buying a home and Experian have not updated my credit report correctly or just neglected to update my credit report. The 3 late payments need to be moved off my credit report so I can continue my process of buying my first home. If this issue is not corrected I will file a civil lawsuit against Experian and what's really crazy they won't even show me what accounts were late because I don't have any late payments or collections. Experian you are the worst when it comes to updating credit report that's exactly why no one use you to verify anything. I tried to contact Experian about 4 or 5 times but was unable to reach a human on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I filled chapter XXXX bankruptcy in 2009. The office of Glasser and Glasser in XXXX VA was listed in the bankruptcy and did not dispute the case. My bankruptcy was discharged without any problems. Now 10 years later I discover that the same company has placed a discharged judgement on my home. I have contacted Glasser and Glasser for the last 3 weeks. At first they told me that only the attorney involved could talk to them. The bankruptcy attorney I had in 2009 lost her license and practice after my case was resolved. I have a letter from the Department of Justice with the details. Glasser told me to fax that letter to them and they could then talk to me. I have confirmation that this was received. I called them again and was told at first they couldnt find the letter and then when found they couldnt talk to me. I have been told twice that they would have their attorney call me. No calls yet. I have all my paperwork from 2009. I understand that they could be breaking a bankruptcy law by this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
This company Receivables Managment which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated 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 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/2019 I uploaded my tax information ( 1040 ) in the FedLoan Servicing portal as part of my Income-Driven Repayment Plan 's annual recertification. 

I was told ( I believe on XX/XX/XXXX ) that my recertification was denied because I did not provide the correct information. I reapplied by sending in my pay stubs, but this too was denied. 

On XX/XX/XXXX and XX/XX/XXXX I called and spoke to two different customer service reps for Fed Loan Servicing. Both confirmed Fed Loan Servicing has my 1040. The woman I spoke to on the XXXX even looked at them with me. We found that whomever was reviewing my case simply was not scrolling down far enough in the document to get to my 1040 ( verifiable by phone recording ). I was denied again on XX/XX/XXXX. 

I called again on XX/XX/XXXX and we went through the same thing where the customer service rep looked at the file with me and found that whomever was looking at the file simply did not scroll down far enough to see my 1040 and my gross income. 

I asked if there as anything I should have done differently and the rep told me no, I have done everything I'm supposed to do correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
This company I.C System which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding phone bills that I possess, and I am seeking the name and address of the company to which I owe the debt and a detailed breakdown of the fees that I owe. * Cease any credit bureau reporting until the debt has been validated 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 2019-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
This is reference to an already open complaint filed with the CFPB ( XXXX ). I really need the CFPB to understand the egregious incompetence of the The Wells Fargo Home Equity Organization. I appreciate the diligence the CFPB has exhibited to date regarding my initial complaint, but the reasons WF is seeking extensions to what should be a relatively straight admission of gross misconduct/neglect is appalling. I am now providing you, yet another example of not only ineptness, but serious violations of all federally mandated privacy laws. Last Friday, I received the attached letter in response to the initial complaint. The letter is addressed to me with my current address, but opens with someone else 's name ( XXXX XXXX XXXX XXXX ). I can only assume I now know that a XXXX XXXX XXXX. XXXX applied for a HELOC and was denied. I only hope my name is not floating around in the world with someone else 's address. My only recourse at this point is to seek justice via litigation, but I will be extremely disappointed if strenuous enforcement action is not taken against Wells Fargo up to and including settlement agreement for my loss of a potential real estate transaction for unreasonable denial of a HELOC. For the record, I DO NOT WANT A HELOC FROM WELLS FARGO. I want recovery in the way of punitive damages. In addition disciplinary sanctions should be levied to the Wells Fargo employees connected with this process to include the letter received from XXXX XXXX ( Executive Resolution Specialist Customer Care and Recovery Group ) andXXXX XXXX at XXXX - Originator of the Loan Application for Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
This company Online Information which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding utility bills that I possess, and I am seeking the name of the company to which I owe the debt and a detailed breakdown of the fees that I owe. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The bank asked me for two letters so they could release mu money according to them. One letter was written by the client who send me the wire, the other letter was written by a representative of the bank institution where the wire was generated. Both letters said that The funds are legally mine. However, Bank of America refuses to release my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent a debt validation letter in XX/XX/2019. I received a response in XX/XX/2019. The amount reflecting was updated from $ 200+ and reduced to {$150.00}. I in turn sent a letter requesting the debt be removed from my credit report in XXXX and I havent received a response. I did speak with someone at Wells Fargo and I was told the debt had surpassed the statute of limitations and no longer collectible. I was informed that I should receive a 1099-C for the debt. I have not received this document yet. We are in the process of trying to purchase a home and this debt is hindering me from repairing my credit. If I cant pay the debt, I need it to reflect closed and paid or settle or what may have you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
On XX/XX/2019 I received my monthly statement indicating a bankruptcy message on my account. However, I have never filed for bankruptcy. I contacted the loan servicer via phone and explained that I did not file bankruptcy and that the information on file is incorrect. They responded by telling me that name of the person who did file along with the bankruptcy case number. I stated that I did not know the individual and they do not live at my address. I contacted the loan servicer again on XX/XX/2019 and explained the situation again to have the bankruptcy removed from my account so that I could make my mortgage payment. They responded by telling me that the individual who handles the mortgage resolution had been out of the office for a while and that they were behind on processing information. Yet again, I contacted the loan servicer on XX/XX/2019 and this time was that although the person that filed the bankruptcy had a different name, that the last four digits of their SSN was the same as mine. I was then transferred to the mortgage escalation line to leave a message. As of XX/XX/2019 I  have not received a response from loan servicer and am now receiving adverse reporting on credit reports. My credit reports now indicate that my mortgage is now CLOSED with a balance of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Hello, I am contacting you regards IC Systems who has been sending me statements under XXXX and who has falsely placed an XXXX collections on my reports that I have never owed in my life. I have been with XXXX XXXX since XXXX and they are stating that this account was opened XXXX of XXXX. I do not own nor have I opened any new cellular accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NJ

Complaint narrative:
I am opening another complaint against TransUnion. I have submitted proof multiple times that an account has been paid in full, but TransUnion states it does not meet criteria, but will not inform me what criteria needs to be met. TransUnion does not look into whether or not something is accurate when it is first added to your credit report, but when solid proof is submitted to prove inaccuracy, they do no correct the errors. The balance in question for XXXX XXXX has been changed from {$1800.00} to {$0.00} and back to {$1800.00} in a 3 day span. Each time my credit score is affected differently. So, once again I am submitting the contract with a PAID IN FULL stamp that was provided to me by XXXX XXXX and I expect the balance to be updated and kept at {$0.00}. When I asked for proof that my account was paid in full this is what XXXX XXXX provided me with and should therefore be acceptable to the credit reporting agency. You will also notice that the CHARGE OFF DATE was XX/XX/XXXX where as the paid off date is XX/XX/XXXX therefore proving yet another inaccuracy in the reporting.

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