vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account is closed whail ago and until now it shows on my credit score and I tried so many times to contact the aquafax to remove from my credit no answer which effects my credit scores. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: FL

Complaint narrative:
XXXX HAS A FRAUD ACCOUNT OPENED UNDER MY NAME / SOCIAL NUMBER. 
XXXX WAS NOTIFIED ASAP AND HAD PLACED THE ACCOUNT UNDER FRAUD. I NEVER HAD ANY BUSINESS RELATIONSHIP WITH XXXX.. DO NOT HAVE AN ACCOUNT. NEVER. 

COLLECTION AGENCY - NAME DIVERSIFIED CONSULTANTS. FILED A COLLECTION ON MY CREDIT REPORT BUT DID NOT PROVIDE ADEQUATE NOTICE OF THE DEBT never PROVIDED PROOF OF DEBT OR ANY STATEMENTS PERTAINING. 

ADDING TO MY CREDIT REPORT HAS CAUSED MY NEAR PERFECT SCORE TO DROP WHEN I NEED FOR AN UPCOMING FAMILY PURCHASE. 

I BELIEVE DIVERSIFIED CONSULTANTS HAVE CAUSED ME DIRECT HARM. 
I BELIEVE DIVERSIFIED CONSULTANTS DID NOT FOLLOW PROPER PROCEDURE AND STATUES WHEN PLACING THIS COLLECTION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
On XX/XX/XXXX specialized loan reported that I was 30 days late on my mortgage to all 3 bureaus. This is incorrect I have documents from them showing I was not late for 2 years. This made my credit score drop 59 points and I am unable to co-sign on a loan because of this drop. This is false reporting and Hindering to my family. I called specialized loan and they can not do anything and dont know how long this would take. I need this done ASAP!

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attempted to complain regarding my credit score, but Experian does not provide it as an option. I presently have a score of XXXX with Experian. My score continues to drop without reason given by Experian. Recently, it dropped by 14 points-no reason given by the company. When I paid two loans off the score did not change at all. In addition, my Experian score does not compare to those with XXXX  ( XXXX ) and Experian ( XXXX ). I noticed they don't have a system for how they increase or decrease scores. They just do as they please. I want it to stop. According to a lot of research I have done, I learned that according to CFPB there should be some parallelism among scores, yet these companies are not following suit. " A 2013 poll found that 62 percent of indebted white households has excellent or good credit scores. Compare this with 44 percent of XXXX-American households that also carried debt. ''

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 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
NO ONE WILL HELP ME EVERY GOVERMANT AGCIENCE THAT EXISTS DOES NOT BELIEVE I WAS INTERNATIONALY HACKED BY WELLS FARGO IM GUESSING THEY HAVE A TEAM OF SECURITIES HACKING TO SAVE THERE SOULLESS XXXX. ARE YOU SERIOUS I ASKED FOR A PRIVETE BOAD TO CLOSE THE DOORS AND LETS TALK ABOUT THIS. I AM TIRED IM LOST MY LIFE IS OVER BY BEING WELLS FARGO HACKED BY WELLS FARGO WORST HACKING COMPIES THAT MONEY BUYS AND XXXX XXXX IS INVOLVED BY THE IMFORMATION SEE GOT WAS STORED IN MY COMPUTER THE HACKING ACCOUNTS ON XXXX   TO CONTROL AND UTLIZE CASH ACCOUNTS AND YOU WELLS FARGO HAVE THAT ON MY ACCOUNTS AND A LAON I CANT USE. WELLS FAR I AM DEMANDING A BOARD AND  SECURITIES MEETING TO SEE WHAT YOU HAVE DONE TO MY LIFE MY XXXX AND NOW MY MARRIGE YOU WELLS FARGO DID NOT INCLUDE MY HUSBAND IN THIS I WAE YOUR ONLY TARGET OF XXXX. AGAIN I WANT XXXX A NEW COMPUTER A PRINTER AND A PHONE. MY LIFE IS GONE .I CANT RECOVER FROM THIS

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 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2019 I received a letter from the Pentagon Federal Credit Union informing me that I am being upgraded to a PenFed Visa debit card to replace the ATM card that I've had for the past 18 years. I called the credit union and explained that I did not want or need a debit card and that I would like to continue with an ATM card. They informed me that it was a requirement placed on them to switch to debit card and would not provide me with the language and/or directive that requires them to do such. 

I followed with an online complaint to their board of directors ( the only avenue available after speaking to a rep ). I received an email reply stating they made the decision to stop offering ATM cards to members with checking accounts in favor of the Visa debit card.

I find this change to not be leading or best in class as they state, rather it is predatory marketing forcing a financial product into members hands with the anticipation of generating more income and revenue through their association with Visa. I nor any other member should not be forced into excepting a financial product that is unnecessary.

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 2019-06-14 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: SC

Complaint narrative:
I have contacted Experian, XXXX and XXXX about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.

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 2019-06-14 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: TX

Complaint narrative:
Equifax has refused to remove XXXX XXXX XXXX  from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

Equifax as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I am without a phone and unable to call BMWF regarding my account, I believe this was stated in prior complaints. As stated by their rep in a prior reply, I messaged BMWF about my account and payment arrangement which is an amount of XXXX paid on XX/XX/XXXX, another payment on the following Monday the XXXX. I received an email from a XXXX with an attachment to it, a letter requesting me to call BMWF about my account. Again, I do not have a phone but will reply here, I need to update my arrangement to include the the amount of XXXX to be paid on XX/XX/XXXX. I have an insurance payment due on the XXXX as well, this is the best I can do.. Please allow me more time before possible repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NY

Complaint narrative:
On XX/XX/2019 I reached out to XXXX  regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.

I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. 

I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.

I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. 

XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. 

Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 has refused to remove XXXX XXXX XXXX from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

XXXX as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.

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 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Dear CFPB, PayPal is knowingly allowing a loophole in their claim system be abused to steal from buyers. 

We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled " Image_1 '' and " Image_2 '' ).

We proceeded to print the return label and ship back the item ( Please see attachments titled " Image_3 '', " Image_4 '', and " XXXX '' ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled " XXXX XXXX XXXX ( r ) - USPS Tracking ( r ) Results '' ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! 


Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: MO

Complaint narrative:
After numerous disputes. I can not get duplicate reported accounts off of my credit report and it is derogatory effecting my scores on all of the big three reporting agencies. Negatively impacting them double because they are duplicates.

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 2019-06-15 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: SC

Complaint narrative:
I have contacted XXXX, XXXX and Transunion about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.

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 2019-06-15 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: SC

Complaint narrative:
I have contacted XXXX, Equfax and XXXX  about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo repeatedly charges my account with false monthly service fee charges for the amount of {$14.00}. Wells Fargo lied about how many times I used my card the month of XX/XX/2019 in their response to the CFPB! I want to know why they are repeatedly charging my account for {$14.00} dollars even though I met the monthly requirements in order to not get charged. Why is Wells Fargo allowed to lie and falsify documents in their CFPB response. They are stealing out of my account and sending in lies in their response like I'm the one lying!

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 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear Sirs, XX/XX/2019, I started a company for myself to do flooring contracting. I needed to have a payment processing services. After doing some research, I reach out to PayPal and opened my account with them. 

My first few payment transaction was having problem as PayPal was requesting me to provide them documents to proof to them that I have a legitimate business. they requested my EIN, articles of corporation and a photo ID. I had all the papers sent to them the same day. 

One week later, another few transactions were held by PayPal limitation department. Now, this time, they requested me to provide them with invoices that were used to charge my clients, again, I provided them statements and information of my clients for confirmation.

Then, one week after that, they added another limitation for the third time on my account. this time they need me to provide them with the last 6 months of bank statements. I mentioned to them I opened my bank in XX/XX/2019 and can only provide 3 statements. the Rep. told me that is fine, I uploaded them, after that, they said we need the last 6 months of your previous merchant account statements. I told them that PayPal is my first payment processing service. I've never had another one as my business started in XXXX Finally, I spoke with the manager and explained everything all over, the manger XXXX was very disrespectful and rude to me. He told me that PayPal doesn't want to provide me services anymore and will hold my funds for 180 days from the time it charged my clients. He didn't want to listen to me, he wasn't willing to work with me to get this problem taking care of. He also refused to allow the funds to be transferred earlier than 180 days. I need help to have them releasing my funds immediately please, it has been almost over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This is my third complaint to the CFBP, The previous complaints, were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Both complaints relate to the same issue : On XX/XX/XXXX, I sent a {$90000.00} wire transfer to a friend in Florida. Bank of America seized my {$90000.00} and refuses to return my money. 

As a result of my second complaint, Bank of America assigned me to a Resolution Specialist, XXXX  XXXX XXXX. Ms. XXXX wrote to me " I am your dedicated point of contact until this matter is resolved. '' Ms. XXXX is my 3rd Resolution Specialist. 

In her last written communication with me on XX/XX/XXXX, Ms. XXXX stated, '' As requested on XX/XX/XXXX, please contact law enforcement and obtain a seizure warrant to work towards obtaining your funds. Once you have obtained a seizure warrant, please contact our Check Fraud Claims department at XXXX ''. 

First of all, there was no communication between Bank of America and myself on XX/XX/XXXX. Secondly, no one knows what a seizure warrant is, making it impossible for me to obtain one. I have contacted 3 Police Departments, talking to one Police Chief, 2 Attorneys, and Ms. XXXX XXXX own people at that XXXX number. I even looked up seizure warrant on the internet and looked through do-it-yourself legal documents with no success. I have called Ms. XXXX over 10 times in the last 3 weeks, with no response, leading me to believe that she doesn't know what a seizure warrant is either. 

As it stands, I'm still out my {$90000.00} and Bank of America has assigned me to an investigator who is either unable to answer my questions or unwilling to. 

I'd like my money back NOW. Bank of America seized my {XXXX} with out cause. It's time to end this nonsense. I'm almost XXXX years old and live on a limited income. I want my money back now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Ditech Financial LLC
State: MI

Complaint narrative:
This company is fraudulently keeping an old debt on my credit report and I have tried disputing it with the credit bureau as well as, with the companies with no success. It is showing that I owe a company over {$26000.00} since 1999 which is NOT correct. 

On XX/XX/1999 my spouse and I became victims of a predatory loan by a company called XXXX XXXX, who changed their name to XXXX and then to Dietech Corp. They were sued by the Federal Government FEDERAL TRADE COMMISSION and XXXX CONSUMER FINANCIAL PROTECTION ) BUREAU, ) XXXX ( XXXX-XXXX ) Plaintiffs, v. 
XXXX XXXX XXXX XXXX, a Delaware ) limited liability company, ) ) Defendant.

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