vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to verify the validity of the alleged debt and the original debtor has incorrectly reported the balance which should be {$0.00}. 

Im writing to formally dispute the following Account : XXXX XXXX {$5100.00} Original Creditor XXXX  XXXX / XXXX XXXX A careful examination of the submitting documents will clearly and factually demonstrate that the charges submitted to your agency were grossly and intentionally misrepresented. 
The landlord grossly and intentionally misrepresented the alleged debt owed by submitting inaccurate and fraudulent charges to a credit reporting agency ; specifically the landlord charged {$3500.00} for reportedly Insufficient Notice Fee-Sam. In addition to Lease Termination Fee-Sam. {$1600.00} and lastly a XXXX XXXX/XXXX/XXXX XXXX XXXXl/XXXX XXXX XXXX XXXX XXXX {$430.00}. SEE ATTACHED : NOTICE TO VACATE. 
I DID NOT FAIL TO GIVE SUFFICENT NOTICE AS INDICATED IN THE ATTACHED FINAL INVOICE. THE LANLORD DEMAMDED IMMEDIATE POSSESSION OF THE PROPOERTY VOLUNTARILY. 
THERE WAS NO BALANCE AT THE TIME PRIOR TO THE LANLORDS REQUEST TO IMMEDIATELY TAKE POSSESSION OF THE PROPERTY. THERE WAS A CREDIT. 
The landlord failed to follow applicable laws demanding possessing of the property within 24 hours. In addition, I ( tenant ) did not fail to provide Sufficient Notice, neither did I voluntarily surrender the property or terminate the Lease. I was not given the opportunity to formally and legally dispute the Terms of the Notice to Vacate. Lastly, the Landlord failed to file any Eviction in the appropriate court jurisdiction. There was not delinquent balance.

The Landlord failed to provide the sufficient Notice as required by : Texas Property Code 24.005. Notice to Vacate Prior to Filing Eviction Suit ( a ) If the occupant is a tenant under a written lease or oral rental agreement, the landlord must give a tenant who defaults or holds over beyond the end of the rental term or renewal period at least three days ' written notice to vacate the premises before the landlord files a forcible detainer suit, unless the parties have contracted for a shorter or longer notice period in a written lease or agreement. A landlord who files a forcible detainer suit on grounds that the tenant is holding over beyond the end of the rental term or renewal period must also comply with the tenancy termination requirements of Section 91.001.

THERE WAS A CREDIT WHEN THE LANLORD VOLUNTARILY DEMANDED POSSESSION OF THE PROPERTY NO LEGAL EVICTION WAS ISSUED BY THE APPROPRIATE LEGAL JUSIRSIDICTION ; NEITHER DID I VOLUNTARILY SURRENDER THE PROPERTY WITHOUT PROPER NOTICE.

THE LANLORD TOOK IMMDEIATE POSSESSION OF THE PROPERTY WITHOUT GIVEN SUFFICENT NOTICE XXXX XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: WY

Complaint narrative:
hello XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Wyoming XXXX XXXX I took a glance at my credit report and notice this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX please investigate this account and and delete it form my report after your investigation.

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 2019-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is non functional as a credit bureau.They have been unreachable online for over a week.When I called the fraud dept they speak XXXX ( unintelligible combination of XXXX and XXXX ). 
I WANT TO DISPUTE XXXX  XXXX ACCOUNT XXXX ACCOUNT IS CLOSED NOT OPEN.THE BALANCE IS LESS THAN THE CREDIT LIMIT, ALSO INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
Company is Sterling Talent Solutions Negative information from 10 years ago provided to employer on a 7 yr criminal history report provided by Sterling Talent Solutions Have contacted company several times about this with no answer or return phone call.

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 2019-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I refinanced my loan within the past 2 months and have been giving a new loan servicer called Specialized Loan Servicing. While becoming familiar with their website I clicked a button for " payoff quote '' and and then " continue '' and was assessed a {$25.00} fee without any warning or prompt that I would be assessed a fee. There is nothing on the website that says this fee will be assessed. I did not need a pay off quote, but was merely exploring the website. I called for help at SLS and spoke to a person who said she would not waive the fee and then kept me on hold for over 30+ minutes I attached the screen that is displayed when " Payoff Quote '' is clicked. 

The servicer is called : Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX XXXX Monday through Friday, XXXX XXXX until XXXX XXXX. MT,

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 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Pioneer Credit Recovery Collection calls numerous time a day and never leave a message. I will not answer calls unless they're in my contacts. I found several complaints for this number, some have answered and they said they ask for personal information right up front and claim bogus amounts of money you owe. I can block the number but XXXX XXXX says they can get you money if they keep calling?

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 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took at look at my credit report and saw an account that would like you to investigate, after you investigate this account of XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX please delete this 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 2019-09-27 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: AR

Complaint narrative:
On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX  and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when XXXX and XXXX  stated that the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took a look at my credit report ans would like you to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX, AZ XXXX XXXX. once you have completed you investigation, please delete this 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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went online to Transunion to get a free credit report. Once I got my report, I saw there was a middle initial added, XXXX " XXXX '' XXXX. Never had a middle initial. So I tried to dispute it online and while filling out some of the info, it asked to create a password and supply my credit card number, because the ones on file that came up were outdated. How they got those numbers, I have no clue because as I have never paid for a credit report in the past. I believed it was for identification purposes. Afterwards I received an email for a charge for a credit report. I called in to dispute both the middle name and the charge. the charge was a subscription. How I got to that page appears to be deceptive, since I was only trying to dispute the middle initial. I called in and they cancelled the subscription but wont refund the charge of {$1.00}. Said he could not reverse it and no oe at the company can do it either, which it sounds absurd, since I cancelled it. The I asked how did the middle intitial get there and he could not tell me. I was authenticated, so he should have told me when this was added. Please help? 

This occurred Friday XX/XX/XXXX, XXXX between

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Many years ago, I called citibank to cancel the recurring fee that I was receiving for " Debt Protection. '' This was before the settlement in XXXX and they refused to refund the fees, however they stated the charge would cease. I distinctly remember that it had ceased at one point, however I realized this morning that it is again recurring on my  statements and has been for as far back as their online portal will let me review statements, XX/XX/XXXX. I have no doubt that this charge goes back further than that, but I have no way of knowing exactly how far without additional statements. Additionally, after reading the settlement and reviewing emails, I was never contacted by citibank to refund the fees as stated in the XXXX settlement. So, this morning I called to get the matter resolved and was blind transferred by multiple employees in a round-robin ring where no one would take ownership or direct me to who to talk to. Ultimately, I have been hung up on twice. On the last call, where I was finally able to reach a native English speaker, she assured me that she would get me to the right person and not hang up on me. She then requested to put me on hold while she researched, then, without speaking, blind transferred me to a department that, by its title, was responsible for just this issue. They had a touch tone system with 1 and 2 used for prompts. 2 was the options I needed, but instead of transferring me to a person, it looped me back around to the main account status system where it was attempting to look up my account. This is a blatant use of technology to route worthy customers into a black hole of avoidance. I want my fees refunded as far back as the settlement requires them to go.

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 2019-09-27 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: AR

Complaint narrative:
On XXXX I contacted Equifax, XXXX, and XXXX  in regards to Inquires being placed on my Credit Report that I DID NOT AUTHORIZE. Even after contacting the Bureau I'm still getting alerts stating that Creditors are accessing my Credit File without my consent. I have placed a Freeze and Fraud Alert on my Credit File along with my Contact Number in which Creditors are suppose to contact me at the number listed to verify my Identity, but NO ONE has contacted me. I disputed the information with each Credit Bureau and was told about the investigation process. I sent them a copy of my Police Reports along with a Copy of my FTC Identity Theft Report, Copy Of My Drivers License, Social Security Card and Utility Bill to add with my dispute. I decided to contact the Creditors that we listed on the Reports individually. Each Creditor I spoke with had NO KNOWLEDGE or account under my name or Social! I have since received notices via mail from the Creditors stating that they have contacted the Bureaus to have the information removed from my Credit File. I have direct contact and letters stating the information should be removed, but why hasn't it been removed as of date from my Credit File. XXXX has removed the information from my file as of XXXX, but Equifax and XXXX  has not. The Inquires are EQUIFAX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2019 Bank of America transferred funds in the amount of {$28000.00} from my bank accounts with XXXX XXXX XXXX XXXX XXXX. This amount was in error and I immediately call both Bank of America and XXXX XXXX. I made a request to return the whole amount. I was told by both Bank of America and XXXX XXXX that it should take 2-5 days. When I called Bank of America on XX/XX/XXXX, asking why the funds were not transferred, they said they have a policy that wont allow them to transfer a large amount of money without internal protocol. I was told it could take until XX/XX/XXXX to make the transfer. I called Bank of America on XX/XX/XXXX and was told they have until XXXX to make the transfer. On XX/XX/XXXX the transfer was not made.

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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
in 2009 I was sent to XXXX XXXX XXXX to get a XXXX XXXX. I informed the hospital I had Missouri XXXX. Nothing was said about them Not taking MO XXXX. I was given a shot and sent home. Then I received the {$800.00}. bill from the doctor that ordered the shot. The {$800.00} has been on my Credit report for 10 years now. It was taken off about 6months ago but now its back under a different name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a call from the number XXXX at work on XX/XX/2019 at XXXX XXXX. I was already in another ( work-related ) call, so I rejected the call. I called the number back a few minutes later, and the person stated the call will be monitored, it was an attempt to collect a debt, his name and the company name. I informed him that I received a call from that number, and he asked me for my name. Then he stated that he pulled up my records and needed me to verify the last four of my social security number.

Having been a victim of identity theft in the past and the increase in telephone scams lately, I was wary of giving him the last four of my social. I stated my concern and asked the representative what  account he was calling about to see if I recognize the account. He refused, stating that he couldn't divulge any further information until I verified my identity. He proceeded to ask me for my date of birth. I told him again that I didn't feel comfortable giving out my information all willy-nilly to some random stranger claiming to call from a debt collection agency, yet he couldn't even verify the name of the account in question. The representative proceeded to tell me, " You not giving me any information. We already have it. You're just verifying it. '' From my understanding of the English language and sentence structure, in this context, " verifying '' and " giving out '' my information means exactly the same thing. I have no way of verifying if this person is who they say they are, and it wasn't like I was asking him for his company 's secrets. I was only asking for the name of the account in question, which I couldn't do anything with besides like maybe pay it off -- and, never in my adult life, have I ever heard of someone stealing another person 's identity to pay off the victim 's debt. On the other hand, with my the last four of my social, date of birth, AND address, someone could literally call my bank/credit card company right now and do some damage. The representative stated that he could not speak to me about the account any further until I " verified '' my information, so I hung up on him. 

Overall, this representative from Midland Credit Management was  being shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XX/XX/19 {$79.00} XX/XX/19 overdraft fee {$35.00} I disputed the amount {$79.00} Because Wells Fargo authorize payment to att when my account was already overdrawn as well as assessed a overdraft fee for the occurrence. When I filed a dispute Wells Fargo denied it stating that it was a reoccurring payment so that is why funds were released I kept telling them this is not a reoccurring payment this item does not come out at the same time every month it is a one time  debit transaction which mean if there are no funds it gets declined they did not go according to there policy and when it was time to investigate they did not do their part either The photo attached show that they declined the transaction on XX/XX/19 than on XX/XX/19 they approved the transaction while the my balance still reflected the same amount was in overdrawn status and when Wells Fargo refers to my previous payments they were all ACH payment this one was not so it should not have been touched

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