vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect 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 2020-02-24 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: FL

Complaint narrative:
SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED TRANS UNION, XXXX  AND XXXX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
i recently looked at my credit history and found that Portfolio Recovery associates, LLC is trying to recovery a debt that is not mine. I have disputed this online many times and they just keep putting it back on my credit. I do not owe this company anything and they are violating my rights to keep adding this to my credit history with new dates so that the statue of limitations keeps going for more years i have disputed this for at least 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX, TransUnion and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX, TransUnion and XXXX  still refuse to update the information. XXXX, TransUnion and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX, TransUnion and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, TransUnion and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect 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 2020-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX XXXX and Equifax still refuse to update the information. XXXX XXXX and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing negative items with Experian on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Experian has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Experian and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Experian. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Experian to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Experian, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Experian asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Experian letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Experian. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.

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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive made a dispute on the XXXX  website and it hasnt been resolved. Ive explained about my payment history Wells Fargo claims i was 30 days late on of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 when i was never late on any of those months when my dispute was closed they only managed to fix one month which was XX/XX/XXXX Ive had the credit card for almost 5 years and was never late on any payments Wells Fargo was rude when i called to fix the issue so i closed the credit card.

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, we opened a business account with Suntrust, making the opening deposit the same day. After the initial deposit, 3 additional deposits were made : 1. XX/XX/2020, {$500.00} ( XXXX XXXX Money Order ) 2. XX/XX/2020, {$1200.00} ( XXXX XXXX Money Order ) 3. XX/XX/2020, {$1200.00} ( XXXX XXXX XXXX ) I was made aware on XX/XX/2020, the account was in a " no-debit '' status, after I logged in to see a payment returned of {$50.00}. I called customer service to ask why the payment was returned, when there was more than enough money in the account to cover the charge. The representative was not able to provide any additional information, but guessed it may have been all of the required documents were not in. I explained, all the documents were in, that I had submitted online, and inside of a local branch several times. At that point I requested to speak to a supervisor. The supervisor explains that it looks like the account was going to be closed, and that Suntrust had decided to sever ties with us. She stated it would be 3-5 business days to completely close the account, and I should receive a check for the remaining balance 5-7 business days after that, and she was not allowed to disclose why the account was being closed. Today, XX/XX/2020, I called to find out when we should expect the refund, and I was told the funds were being held. It was implied the money orders may have been fraudulent. I asked how long does it take for them to release the funds, and the customer service representative relied, indefinite. He explained he was not allowed to disclose any additional information. I explained these money orders are payments from the tenants in my rental property, and I would need additional information so I would know how to proceed. He apologized but didn't disclose any information. I called both money order companies to confirm they have been cashed. Both companies confirmed the date of purchase, the amounts, and dates cashed of the money orders. I then called Suntrust to make them aware, and I was told Suntrust would not be releasing any funds. They advised me to tell my tenant to return to the place of purchase to file a claim, and that was my only recourse.

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 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I was under a legal guardianship from XX/XX/XXXX to XX/XX/XXXX where the guardian was required by the probate court to approve or withhold approval of any contract as I was legally incapacitated with the inability to exercise the power/right to approve or withhold approval of any contract. As a consequence, any agreement, contract, or other binding document I'd sign without concurrent approval for the execution of the document from my then-guardian would have been considered null and void and unenforceable as my signature alone was not valid during that time. Several Promissory Notes containing my signature exists dated between the above two dates but no evidence of concurrent guardian approval can be located for any of them. My guardian did not sign anywhere on the Promissory Notes or include anything written or otherwise indicating approval. The Promissory Notes all have provisions for handling what is unenforceable. I made demands to my loan servicer for those Promissory Notes do one of the following : provide evidence that my guardian approved the execution of those Promissory Notes, or close all loan accounts and discharge all current balances associated with those Promissory Notes. Loan servicer responded by sending me duplicate copies of the Promissory Notes which were already in my files, but no evidence of guardian approval. I made a second demand and their customer advocate person sent back a letter filled with lies about the contents of the Promissory Notes and the actions of my guardian, not doing anything to abide by either of my demands. Loan servicer is now violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, XXXX  AND EQUIFAX TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, EXPERIAN AND XXXX  TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing negative items with TransUnion on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. TransUnion has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to TransUnion and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to TransUnion. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to TransUnion to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to TransUnion, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to TransUnion asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to TransUnion letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by TransUnion. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.

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 2020-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint about Chase Branch : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX Incidence on XXXX at XXXX XXXX  CST : I have registered on the Chase Paper sheet on entering bank as a First Come First Serve basis. The list shows my name as a registered person. The lady XXXX doesn't want to take as I am not XXXX & 2 other customers ( who came after me ) were attended first at the branch.She was very rude & unhelpful. She removed my name ( darkened it with highlighter ) from the list & asked other bankers to attend XXXX customers. On inquiring, she added my name at the last page on the list I called for the branch manager & she was not in office at that time. She called me on my cell at XXXX XXXX CST. She apologized but it was very pathetic experience & discriminated against me ..since I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
Kay Jewelers is reporting an installment account on my credit reports with XXXX, XXXX, and XXXX  that are erroneous. I have sent many dispute letters to Kay Jewelers as well as the credit bureaus but I have not received the validation necessary to report this account on my credit reports. 

KAY JEWELERS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing wasn't mortgage company I was on foreclosure my sale date was XX/XX/XXXX according to the lawyers They gave me a reinstatement quote of {$20000.00} as of XX/XX/XXXX I was put on a repayment plan gave them {$10000.00} XX/XX/XXXX then 1st repayment {$3000.00} XX/XX/XXXX last payment XX/XX/XXXX I thought I was clear done all caught up but then in XX/XX/XXXX I get a notice that they sold my mortgage to XXXX  according to XXXX  I still owed {$5700.00} which is what XXXX stated in my mortage statement I cant believe they want more money I can not in good faith give NO more money unless someone can tell me where did all the money I gave them go I have given them more than enough & still they want more money scaring me into foreclosure or default I'm asking you to please look into this I can not will not give them no more money unless someone can tell me where all the money went why I still owe & how come my balance on my house never went down??? Attached is all the mortgage statements since XXXX the figures never add up all tax forms documents XXXX & XXXX. Also I'm attaching all proff of my payments to them bayview loan Servicing Please please help me If you can tell me how I owe them more money I would love to know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. 

In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. 

If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.

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 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.

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 2020-02-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I do not owe the Minnesota Department Child Support Division of XXXX County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.

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