vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: FL

Complaint narrative:
This compliant is against Experian and XXXX XXXX  XXXX ( XXXX ) XXXX is reporting 5 accounts on my Experian account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. Experian has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX and XXXX has remove the account because XXXX didn't verify the account but Experian is claiming the account were verified. 

I feel that Experian feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.

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 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL

Complaint narrative:
On XX/XX/2018 american medical collection agency called at XXXXXXXX XXXX I called them back at XXXXXXXX XXXX discussed account stated my spouse would be calling to pay the debt. I was told by the man on the phone ( didn't get his name because he kept talking so fast couldn't understand and was currently at work ) that my account would be put in a protected status for 7 days for my spouse to have time to pay. second call from the same company came at XXXXXXXX XXXX about the SAME acct. when my spouse called to pay as I stated she would she questioned their business practices as she also works in collections and knows that I had already addressed the payment so why was there a SECOND call in the SAME day. They said I hadn't auth her to speak to them EVEN though I stated she would be calling and they didn't ask for any further information. She asked to speak to a supervisor who then stated the same thing no auth to speak to her because what she wanted to speak about was the TWO calls in the same day on the SAME matter. I have a copy of the call log if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX I worked with a Bank of America Rep to setup auto-pay on my credit card account.

XX/XX/XXXX I was told my auto-pay payment was active.

XX/XX/XXXX I received Billing Statement stating that the auto-pay was active.

XX/XX/XXXX I received credit alert that I had deliquent account.

XX/XX/XXXX Bank Of America Rep says auto-pay was pending, will be active next bill cycle.

XX/XX/XXXX & XX/XX/XXXX I am refunded for late payment and interest fees associated with the error from the auto-pay setup.

XX/XX/XXXX My account closes the year with no fees or interest charges. 

Bank of America removed the fees associated with the auto-payment error but has not removed the 30 days late from credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been using my Wells Fargo credit card to pay my email service provider monthly {$5.00} charge throught automatic bill pay enrollment through this company, XXXX for the past 5-10 years. Last month I was contacted by XXXX that Wells Fargo company had sent them a letter of payment denial ( $ XXXX   monthly fee ) and has charged their credit account {$45.00} fee for fraud. I called Wells Fargo costumer service and discussed with them I have never requested them about fradulant charges by that company. They told me they want their money for investigating that charge. I contacted their executive office asking them to reimburse me for the {$45.00} they had charged XXXX. I just git a letter of denial stating " We are committed to protecting the security of our costumer 's accounts and periodically need to take certain actions to detect and prevent fraud. '' In other words, I, the card holder am stuck with the {$45.00} penalty fee they charged my email service provider, wrongfully penslized by Wells Fargo credit card company. Just think for a moment, if such unethical ways of creating source of reveniew implemented by Wells Fargo, go without legal bindings by this company how many more costumers are going to be subject to their predatory actions.

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 2018-06-21 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: CA

Complaint narrative:
I have a payment arrangement with XXXX XXXX on a delinquent account. 
XXXX XXXX has received 4 payments on time of the 6 payment arrangement. 
The final payment is due XX/XX/2018.I have two payments of XXXX to go in XXXX AND XXXX for completion of the attached agreement. 
in the agreement it says under " what you need to know ... .. '' - '' in accepting this settlement we intend to discontinue collections. '' - '' your payment ( s ) are confirmation of this arrangement '' YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGEOFF WITH NO NOTES OR INDICATION OF THE AGREEMENT! DO THEY THINK THAT ALL CUSTOMERS ARE XXXX! THE REPORTING TO BUREAUS, THE WAY IT IS REPORTED IS A COLLECTION EFFORT AS DEFINED BY THE FCRA! 
I HAVE NO FAITH THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '' SINCE THEY ARE NOT HONORING IT NOW, YET I WILL MAKE THE NEXT 2 PYMTS. AND HONOR MY END AS I HAVE DONE! I HAD TO DISPUTE JU8ST TO GET THE PAYMENTS REPORTED, RECENTLY. 

XXXX XXXX IS CROOKED FROM THE TOP DOWN AND EVERYONE KNOWS IT!

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 2018-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX, my wife, who normally takes care of all household finances, was XXXX and was diagnosed with XXXX XXXX, which made her very ill for the duration of her XXXX. During this time, most of our bills were set up on automatic payments, but this Mortgage, in my name only, was unfortunately not. I take full responsibility here, I had the ability to pay, but with a sick wife and then a new XXXX at home, I fell behind on my payments. 

I have since caught up and will be making regular payments moving forward. I have been very happy with the service, but realize I was not the ideal customer and have made mistakes with the handling of the account. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. I have already contacted the Mortgage Company was told that they won't do a good will adjustment, nor are they willing to help me fix the credit history. 

Wells Fargo has also continually lied about my account status. In XX/XX/XXXX, a rep there told me I was able to make my next Payment in XX/XX/XXXX, but when I went to make the payment I was told my house had been put in foreclosure.

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 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America has the wrong social security number on my account # : XXXX. XXXX is not my social security number. I want Bank of America to update their records with my correct social security number and date of birth which is : Date of birth :XX/XX/XXXX SSN : 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 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Company neglected to answer all questions in original complaint. Company has violated my rights

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 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below on my Discover Account # XXXX XX/XX/XXXX - 30 Day Late : XX/XX/XXXX - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Im writing you this letter to inform you that XXXX XXXX  will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX  was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) denied my application for a savings account based on information from a bank history report by XXXX. 

Although banks may reject applications for checking accounts based on bounced check history or account closures this isn't the case for savings accounts. In fact, establishing a savings account is suggested as a way for unbanked people to gain the trust of major banks. 
https : //www.bankrate.com/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 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to XXXX   last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX  XXXX developed one credit model called " Custom '', TransUnion developed the " CreditVision '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : TransUnion Custom Lack of substantial credit history - XXXX   Recently opened auto loan account or no auto loan on report - TI TransUnion CreditVision Age is XXXX and average number of months trades on file is XXXX Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. Optimu Months since most recent credit card opened is XXXX to XXXX. Optimum None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX What if

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 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
XXXX XXXX has the wrong social security number listed on my Discover credit card account. XXXX isnt my social security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express has the wrong social security number listed on my American Express credit card account. XXXX isnt my correct msocial security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This compliant is against XXXX and XXXX  XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have  contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX  and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. 

I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.

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 2018-06-21 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: GA

Complaint narrative:
I submitted some reports for fraudulent accounts on my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
On XX/XX/2018 I sent a letter to I C Systems requesting validation of a collection account that is being reported on my credit reports. As of today I have not received any response from I C Systems.,

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 2018-06-21 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/or about XX/XX/XXXX I sent a certified dispute, to Equifax concerning the furnisher ( Court ) of information as to a Public Record relating to Bankruptcy-Chapter XXXX in their files maintained under my social security number. ( See Dispute letter attached dated XX/XX/XXXX ) Equifax responded to dispute with letter dated XX/XX/XXXX, stating The information you disputed has been verified. However, the information I disputed was name of court that furnished information, as per their entry in credit report file maintained under my social security number. ( see  attached results of Equifax reinvestigation and excerpt from XXXX XXXX Equifax credit report dated XX/XX/XXXX ) Prior to receiving Equifax result, claimant requested information from Court ( U.S. Bankruptcy Court XXXX XXXX of Illinois ). They unequivocally via letter dated XX/XX/XXXX state The bankruptcy court does not perform any activity with the credit bureaus. ( see letter attached Page-2 ) Last, but not least they have reported in their letter result of reinvestigation dated XX/XX/XXXX that they obtained the information concerning court bankruptcy from XXXX XXXX XXXX, another consumer reporting agency. ( see attached Equifax Report dated XX/XX/XXXX, page-3 ) Further, I place a security freeze on accounts with XXXX XX/XX/2018, They are not listed as the Furnisher of this court bankruptcy, under my social security number with Equifax, in the credit reports I receive from them. That is to say Equifax has erroneously listed U.S. Bankruptcy Court for The XXXX XXXX of Illinois as the Furnisher of this information. ( see attached security freeze letter from XXXX dated XX/XX/XXXX ) Wherefore, I am requesting deletion of these listings because the court did not report this information to them as mentioned above and any other listings under my social security number in credit report of which this entry is referred to as per the applicable Fair Credit Reporting Act, due process and equal protection of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: GA

Complaint narrative:
I noticed there were some accounts on all three of my credit reports that were not mine, so I mailed the credit bureaus the necessary paperwork and only Equifax did not remove these accounts.

Company response to consumer: Closed with explanation