vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
This is just a follow up complaint about Southern Financial Systems. This complaint it to show that Southern Financial Systems is aware that the debt is fraudulent and yet they still report the debt to credit bureaus. I spoke with the original creditor, XXXX XXXX, and sent them the documentation they requested to confirm fraudulent activity. The XXXX XXXX  collections representative, XXXX XXXX, confirmed receipt of the documentation and forwarded it to XXXX so that Southern Financial Systems can be aware that fraud has taken place. Ive given Southern Financial Systems over a month to remove the debt from my credit files since they now have proof that my signature was forged. I also explained to XXXX that the address where I lived is family land and is shared by 3 households. XXXX understood this and acknowledged how easy it would be for someone to tamper with my mail. I tried to explain the same situation to XXXX but she would continuously cut me off to avoid hearing the truth. Southern Financial Systems has willfully neglected their duty by federal law to remove the debt. This debt from ambulance services that Southern Financial Systems is claiming I owe was made with with another debt from XXXX XXXX in XXXX, MS . When XXXX XXXX tried to collect the debt from me for the hospital services accrued from the person who committed fraud, I was able to dispute the debt and the collection agency immediately deleted the debt because they had proof of fraud. I have in writing that the hospital debt was considered invalid and deleted immediately. However, XXXX of Southern Financial Systems is operating from a place of greed and lack of a moral compass. I have attempted to settle this without seeking legal intervention but XXXX refuses to follow federal law because for some reason I believed that this woman was noble enough to see an invalid debt and delete it. But XXXX is fully aware of the invalidity of the debt and still continues to report to the credit reporting agencies. I think that XXXX feels she is bigger than the law. Im submitting this complaint so that it can be posted publicly for others to be aware of the criminal activity that is exercised by XXXX and Southern Financial Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX**** ; XXXX/XXXX XXXX**** ; 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 non-monetary relief
Consumer complaint received 2019-04-24 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; 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 2019-04-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a payment in the amount of XXXX and well fargo put half of it on hold and I was told I need to wait four days for the hold to be released now this is the sixth time they have done this I havent seen other banks I do business with would put this my payments on hold now Im worried that I will be charged interest for cash advances and I was charged interest last month but I paid my cash advances in full and I cant afford to keep paying interest and I will not pay them .... but I technically paid my well fargo credit card in full but I only have XXXX available credit in my card and that not right at all ... .. I dont know what well fargo expect me to do ... XXXX all I want is for my credit card to be paid in full so I dont get any interest or late fees reported to my credit report and they keep putting my larger payments on hold and each time I have to go to the library and fax in documentation to release the hold early and I dont have lots of money and fax cost me ton of 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 non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
hi i have a credit score dicline.creditkarma.company.scorenegative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
to whom it may concern I was mislead by this credit card by PayPal I received an offer for this credit card with terms saying I have the right to access my transactions making payment redeem my points online anytime I want and I will receive an online statement every month meanwhile ever-since I got this credit card I was blocked from access my account information they send me an email saying I should press the option in the email to be able to see my statement but when I do it tell me login Not permitted and this the same message it tell me every time I try to login to my account to using my XXXX or my lopped or even my desktop .this happening for more than 6 month I am not able to see my statement my transactions or redeem my points that I earn using my own money. I believe the reason behind all that so I can say when they overcharging me from interest and fess giving the fact they blocking from even making payments online which this violates the terms I was giving by them and this make me using the phone system to making payments which it takes me up to 34 minutes to make the payment. Attached screenshot of my attempt to access my account

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 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/2018 till now our account has been charged a monthly fee of {$16.00} per month ( total of {$80.00} ). Last year when I checked with the local branch they told me that our account has no monthly fees regardless of balance. They completely lied and misrepresented the facts. They are not responsive. This amount should be refunded and we will close this account in the near future. Bank of America lied, WE WANT OUR MONEY REFUNDED.

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 monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam : I have enclosed cover letter, exhibits group A and B, nature of the complaints and 'things worth to take a second look ' into my encountering of the predatory loan process in last XX/XX/2018. The application took place at the commercial lending department at JC Morgan Chase, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have two major complaints, one is the client manager teamed up with 3rd party ( XXXX ), to prey on his applicant for more fee and charges to close the loan. The other complaint is I was misled by false advertisement, 'flyer of 5 free '. The client manager gave promise there would be only {$2000.00} charge for the loan process, the other {$7000.00} deposit would be refundable even I elected not to close the loan eventually. Everything I said herewith is the whole truth, nothing but the truth. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello CFPB I applied for Bank Of America Card and Was approved. I received My card but it was Already closed already I called spoke with Supervisor name Mr XXXX and was told irrelevant and not accurate information such Credit Bureau send them information to close my account which is very strange why would they send it ... when they opened my account based on credit bureau information 10 days ago, and i was told that i have had not good relationship with bank of america or its affiliates which is also false since i have perfect credit and Flawless relationship. Please CFPB Investigate this in My Opinion VERY BIASED situation. I think It's discrimination. In Case Bank of America try to not respond to this complaint saying I need to Give My Consent, Please Know I AM GIVING MY COMPLAINT. BANK OF AMERICA NEED TO BE INVESTIGATED FOR DISCRIMINATION IN MY OPINION. I WILL ALSO FILE COMPLAINT TO MY ATTORNEY GENERAL AND ALL POSSIBLE GOVERNMENT AGENCIES.

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 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I received a letter from PNC stating my account should be closed by XX/XX/XXXX as a business decision by PNC bank. I spoke with XXXX from PNC corporate office in XXXX, PA on XX/XX/XXXX. I have sent him numerous emails and calls and he has not contacted me back. 

I am being charged fees from my credit line and service charge fees as my accounts are still open. All my accounts need to be closed ASAP and all fees waived by PNC Bank as they did not execute the closure by XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I disputed inaccurate incorrect erroneous information damaging my credit file with Equifax via its Online dispute system. I submitted documentation and filed a dispute regarding incorrect inaccurate name and address and phone numbers and spousal information. Equifax received my dispute and stated it would contact me with the results. 

On XX/XX/2019 Equifax contacted me via email and informed me the investigation into my dispute had been resolved and the information was available to me via an online link provided to me through the email notification sent to me. I attempted to access this link on a number of occasions between XX/XX/2019 and XX/XX/2019. 

Finally on XX/XX/2019 I contacted Equifax and spoke with a representative named XXXX who told me the link was available and if I could not access it, then my only options would be to discuss it with her by phone or request my credit report by mail. 

On XX/XX/XXXX, I sent a request to Equifax via Priority Mail requesting my the results of my credit dispute which they have hampered in providing me through broken and/or damaged email links which were never active.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Ability Recovery Services, LLC
State: MI

Complaint narrative:
This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the report says unable to fetch my identity or credit score. please include me in the registry

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 2019-04-24 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: MI

Complaint narrative:
I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report

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 2019-04-24 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: AR Resources, Inc.
State: MI

Complaint narrative:
The creditor listed in this collection account never belonged to me. This has to be an error. I gave no consent for this original creditor to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Below I disputed a transaction from Bay area rec. They verified the account was true without double checking to make sure they agency they were collecting for did in fact have a debt. I called the doctor in question and they found a mistake in their billing. They forwarded this information to Bay Area Rec but for some reason this is still on my credit report. 

BAY AREA REC Reported on XX/XX/XXXX {$560.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reason Ownership : I have no knowledge of this collection account. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX XXXX  site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX  using the address shown below. When contacting XXXX, provide your current file number : 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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Cooling & Winters sued us for a debt that was past the statute of limitations. They ripped us off!

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 2019-04-24 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: NV

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion regarding my current credit report recent negative reporting from XXXX XXXX XXXX XXXX ( " XXXX '' ) regarding an account that was paid in full as agreed. The employee or representative of TransUnion stated to me his computer screen showed two late payments from this creditor. I told TransUnion that my personal credit report from XXXX did not show any negative reporting so why would the reporting show up now. The TransUnion individual stated to me that they report what the creditor tells them to regardless if it is correct or not. 

I feel very targeted by XXXX and TransUnion. Does appears that the credit bureau is protecting the creditor and not the consumer who paid the loan in full. 

I am asking for a full investigation in to the policies and procedures for TransUnion and why they are allowed to put anything on a closed paid as agreed account. 

I tried to attach my XXXX credit report showing no negative reporting, however this system is unable to the pdf file.

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 2019-04-24 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
The creditor listed in this collection account never belonged to me. This has to be an error. I gave no consent for this original creditor to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

Company response to consumer: Closed with explanation