vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies are reporting medical bills on my account multiple times. I submitted a validation letter and they sent me information back that clearly violates my HIPPA rights. This company does not respond to request and continues to say they verified my account only from my name and social. This type of activity is harmful to my credit reports and their debt collection practices are unethical. 

The accounts reporting are for XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I received a voice mail from XXXX XXXX stating that " I'm calling in regards to some personal information of yours that has now been submitted to me. It will be in your best interest to contact me with the name and number of your representing attorney. If you were not being represented by an attorney, I urge to to contact me directly today so we can discuss your situation in the options that are available to you. My phone number is XXXX extension is XXXX ''. 

I called, and the lady was very rude. When I gave the information, she immediately put me on hold for 3 minutes. I told her that I was going through a debt-consolidation company, she said that she didn't work with that company. I had already been told that they did. She started arguing with me, and I hung up. She then proceeded to call my sister ( who I do not have a relationship with ) and then called my husband. With my husband, she discussed personal information with him. I understand that no one has the right to discuss my personal information with anyone unless I give them permission to do so. Which I did not. She had to have dug pretty deep to get my sister 's information-like I said, I do not have a relationship with her. XXXX, I don't even have her phone number. 

I understand that I got into debt. I am working with someone to get out of debt. This harassment has got to stop, and I am hoping that you can do something about it. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax many of times asking them to remove this item from credit report because it does not belong to me. I also asked for all original paperwork because I've never signed up for this account and Equifax still won't remove. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Diversified Consultants has placed a collection account on my XXXX  and XXXX credit reports in the amount of {$540.00} in the year XX/XX/XXXX. Diversified just added this debt to my XXXX   report on XX/XX/XXXX I have never done business with Diversified. I have never received anything in the mail from Diversified stating that I owe this debt. I have sent letters to the three credit bureaus asking for verification of this debt. the credit bureaus have failed to comply with what the letters were asking. The credit bureaus sent me responses that they have verified the debt, but they have not sent proof of how they verified that this debt belong to me. XXXX states they will not reinvestigate the account. I am requesting that this debt be removed from my credit profile due to the bureaus not being in compliant with the letters I sent, and me not having any communication about this debt with Diversified. this debt is damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Hello. I would like to file a complaint about the XXXX XXXX XXXX XXXX card. Recently I filed a complaint that there were two accounts listed on my Credit Report. Im a small business owner that has faced many financial hardships trying to keep the doors open at my XXXX XXXX XXXX where I XXXX  XXXX and XXXX XXXX in my hometown. Im working very hard to come back from near bankruptcy this past fall. When I spoke with the gentleman at XXXX XXXX XXXX he told me that there was a card that was lost ( in which I did receive a new card ) but that it was now listed as two accounts on my report. I disputed this several times Bc Ive only ever had one account. He informed me that the new card created a new account for me. So one shows closed and one open, Both for short amounts of time so that is definitely hurting my score. He refused to cooperate and I was very upset crying. Now, I have also received two notices by mail, informing me that my reoccurring payment would post at {$0.00}. One letter came on XX/XX/XXXX and one arrived on XX/XX/XXXX. In the conversation on the phone with the syncrony operator, I was told the two accounts were combined. One of these accounts, I fear does not belong to me. It seems I have paid well over the amount I purchased and agreed to pay back or that this company has charged me an unauthorized amount. I have attached the copies.

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 2018-10-08 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: IL

Complaint narrative:
on XX/XX/2018 I sent a certified letter to Transunion, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.

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 2018-10-08 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: CA

Complaint narrative:
Called Transunion to remove Fraud accounts. Was given a extreme hard time over the phone. Transunion has been informed since XX/XX/XXXX with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # 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 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX is reporting late payments for a credit card I am not responsible for which is significantly negatively impacting my credit score making it near impossible to purchase a home. I am listed as an authorized user on an account opened by my Mother during high school that is in a payment program with Citi Bank / Citi Card. I ( the authorized user ) have no responsibility for this account, have never had any communication with Citi Card about the account, nor have I signed any agreements with Citi Card for the account. 

Myself and the primary card hold have made several attempts to have my name removed from the card without success. We have made several calls over the last several weeks with no success, at one point spending 3.5 hours on the phone being transferred around the various XXXX XXXX XXXX with all being unable to assist in a fairly routine action. We have also been given different information on how to remedy the situation, receiving at least ( 4 ) different fax # 's to send the request for removal. 

At this point we have not contact with the department apparently authorized to complete the requested action and have not choice but to continue sending faxes and calling various divisions at Citi Card to hope for removal.

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Computer Credit, Inc.
State: CA

Complaint narrative:
THIS IS AN ILLEGITIMATE DEBT I HAVE AGREEMENT AND INSURANCE WITH THE COUNTY SEE INFORMATION ENCLOSED. I SPOKE WITH THE COMPANY AND THEY SEEMS TO IGNORE IT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2018 I received a call from Navient stating I had a past due amount of {$200.00} and I could set up an auto pay that would bring the loan current and cover my XXXX payment making my next payment at the end of XXXX. I made the payment the next week and thought I set up auto pay and would be fine. Today, XX/XX/2018 I receive another call from Navient saying I am {$400.00} past due and asking for a payment. I explain the situation to the gentleman that called and he immediately starts telling me I have no idea what I'm talking about and he does, I am wrong and he is right. He was very combative with no provocation. I again tried to explain the situation to no avail and asked for a manager. The lady I spoke with was very nice and explained that the payment was incorrectly applied and I was not entered into the auto pay program and that I still owed {$200.00} at minimum. She said that it was my fault my payment was not correctly processed and that I would have to try to set it up again. I have done everything I can to take care of this loan and Navient makes it harder and harder every time I speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is 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 2018-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife had unauthorized transactions the amount total was XXXX from her Wells Fargo checking account .These transactions occurred between XX/XX/XXXX to XX/XX/XXXX a total of 60 transactions according to records provided by Wells Fargo . There are 3 companies that where taking her money without her consent They are XXXX, XXXX and XXXX When my wife realized that the transactions had occurred it was not until around XX/XX/XXXX. She then contacted Wells Fargo and had the bank first stop these companies from using her account o pay for the services. My wife had not made any of the purchases showing in her account. They where made falsely by another party somehow. The bank did the investigation and on XX/XX/XXXX they sent a letter to her and stated they would reimburse {$330.00} FOR THE UNAUTHORIZED transactions. They stated that any transactions more than 60 days could not be reversed. I her husband then wrote a certified letter to the Wells Fargo Operations Complaint Management office in XXXX  ca.and explained that the most likely reason my wife did not notice these charges was because she unfortunately has been treated for XXXX XXXX for the last 5 years.

Most of that treatment is XXXX and she was XXXX   much of the time. Since I have retired am better able to assist her with her bank account.The result of my letter to Wells Fargo was they as of approx XX/XX/XXXX and credited her {$520.00} which we are grateful for. However it just does not seem correct that a Bank who makes so much profit can not extend to her the full amount taken from here account with her condition. I want to help her as well as she is on XXXX, She worked all of her left until she got sick I am retired now so our income is somewhat limited. I don't know if there is anything that can be done by your organization to help her. The letters I received from Wells Fargo state that transactions over 60 days they would contact the merchant and attempt to recover the money This process could take up to 120 days. Perhaps you could find if Wells Fargo has contacted XXXX, XXXX or XXXX and the amount they credited her account individually. Then I can write and contact XXXX, XXXX and XXXX  and explain the situation and perhaps they might reimburse her Thank you sincerely 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 2018-10-08 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: IL

Complaint narrative:
on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: AK

Complaint narrative:
I contacted Suntrust Bank for the payoff amount for my mortgage. I was told it would cost {$15.00} to fax the information. It could be given verbally or mailed for free. 

I was then told I had to send guaranteed funds to pay off the loan, not via online payment or a personal check. I have made the monthly payment online and they were happy to take it. It seems unfair to pay for a wire or casher 's check to be required to pay off the loan. They also do not credit the escrow funds to the payoff amount, you have to wait for them to mail it later. 

It seems they are making it difficult to pay off the loan early.

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
SPS will not furnish all original documents sent to them from borrower XXXX XXXX XXXX -XXXX  . Borrower used my information to secure a trial period payment option and I requested from SPS the documents that were submitted. SPS stated that they have no clue of this person, address nor the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL
State: CA

Complaint narrative:
I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,

Company response to consumer: Closed with explanation