vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX for an office visit with one of their surgeons. I provided them with my primary insurance card, and for my secondary insurance which was XXXX, I provided them with my Social Security number. I had not yet received my XXXX card, but was in their system. They were able to confirm that I had both insurances, and that I owed nothing upon checkout. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a bill for {$560.00}. Please note that XXXX XXXX XXXX XXXX is a XXXX provider, and I am a XXXX   beneficiary. It is ILLEGAL to bill a XXXX beneficiary. 

On XX/XX/XXXX, I sent a certified letter to the provider warning him that if he continues to bill me again, he will get in big trouble. His office received my certified letter and signed the signature card on XX/XX/XXXX. Instead of billing XXXX the difference of what was owed after my primary insurance didn't pay, they had the audacity to play with fire. They continued to bill me for another year and a half. 

I have complained to XXXX and they are still investigating XXXX XXXX  XXXX XXXX. Any day now, XXXX XXXX and XXXX XXXX XXXX XXXX will get arrested. I don't worry about that part. The issue is that XXXX XXXX XXXX XXXX had the audacity to send the bill to XXXX XXXX with an interest of {$73.00}, and threatened to ruin my credit. I received a bill just this month. 

XXXX XXXX XXXX XXXX needs a wake up call. This is not OK. This is not my debt. They should have billed XXXX, because that was their job. Not mine. 

Attached, please find the XXXX codes they have violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX and gap  insurance. My finance company was Chase auto finance. On XX/XX/XXXX my XXXX was totaled. My insurance at the time XXXX. Paid Chase auto finance XXXX. My Gap insurance paid the rest. Chase auto finance still says I owe them XXXX. I have disputed this information and submitted documents. To XXXX and XXXX on two Occasions. This information still remains on my credit as unpaid. The documents below will prove I am telling the truth. Proof of what XXXX paid and proof of purchase of gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or about XX/XX/2018 I was reviewing my Wells Fargo credit card account to make an additional payment besides the one that is automatically withdrawn from my checking account and noticed that my limit had been changed from {$11000.00} to {$7000.00} without notification. I finally received the notification 7 days later in the mail. I telephoned them to inquire why this had happened. I was told that Wells Fargo reviews their customers credit worthiness periodically. What I did not know was that they were all over my credit report not just their account my whole entire credit history. I feel that this is not fair. Wells Fargo should only be looking at the way I pay my Wells Fargo accounts. I have never been late, I have paid off my line of credit and credit card several times however, at this time I can only pay the minimum payments due to financial hardship although I am never late. The main reason for my frustration is that their decision has a negative affect on my credit score. I believe that it is unfair to review my credit history from other lenders Wells Fargo should only be concerned about how I repay them. Additionally, I never had a problem with Wells Fargo correctly regarding my payments to the credit reporting agencies I have a problem with them reducing my limit based on my overall history.

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 2018-04-09 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: AL

Complaint narrative:
Equifax is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with XXXX XXXX. 

Equifax said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, Equifax is breaking the law by not blocking this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: MS

Complaint narrative:
XXXX XXXX failed to remove a debt from my consumer report after requests for them to provide validation pursuant to the Fair Credit Reporting Act. Two collection agencies failed to validate the account but XXXX XXXX still reports it on my credit report. 

Please see the attached documentation and court filing for further information.

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 2018-04-09 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. 

Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
I requested from the US bankruptcy Courts of Ohio how they go about reporting to the 3 credit bureaus and they sent me a letter dated XX/XX/XXXX stating they do not report to the credit bureaus. I sent this information to the credit bureaus on XX/XX/XXXX via certified letter and had no response. On XX/XX/XXXX I  called Experian to inquire if my letter had been received and was told that the letter had been received but that the information would not be put in dispute or removes, based on the fact that the fcra protects 3rd party reporters and the information obtained was public record and could be reported by any contracted reporter to the credit bureau. When I asked the young lade ( XXXX ) to let me speak to her manager for resolution I was sent to a voicemail box for ( 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 2018-04-09 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: Social Finance, Inc.
State: AL

Complaint narrative:
XXXX is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with Sofi Lending. 

XXXX said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, XXXX is breaking the law by not blocking this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: KS

Complaint narrative:
I recently received a copy of my Transunion credit report. The credit report showed several credit inquiries that I do not recall authorizing. I reached out to Transunion and when I explained this to a rep on the telephone that they've placed inquiries on my file that I have not authorized they said theres nothing they can do nor was proof given. These inquires were not authroized by me, they are damaging and are making it very difficult for me to acquire credit. 
I have listed below the names of the inquiries 1. XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX I look forward to your assistance with getting this matter resolved, Thank you for your help.

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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - website does not work - no log-in information available. As such, I am unable to verify payments related to escrow shortages or contact servicer to remit tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.

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 2018-04-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX I was going to bank of America to withdraw my money it was on a friday when I noticed it only had a few hundred on it. I then drove back to my job because i thought i did not get paid all of my money but no one from downtown who handles payroll was there due to holidays .Thats when I asked one of my coworkers werent we suppose to have gotten payed today they stated we got payed the day before which i did not know but that still doesnt explain why I did not see the amount I saw on my paystub.So I called the bank of america hotline and thats when they stated I removed {$720.00} dollars using XXXX at first I thought it was a city, so I searched XXXX.First I asked Bank of America to cancel the card and any thing that look unnormal, on the card was still the 300 and something dollars from when i got paid .Thats when I saw XXXX by the name while I was searching and then I noticed messages I did not send and it was from someone in XXXX asking XXXX to send it to the address they posted for XXXX .I then quickly saw that the order had not been processed so I messaged the XXXX   person/people to cancel the order that was not XXXX XXXX that made the purchase and I noticed another order for some head phones and canceled those as well .I copied the address, page, the items, and everything with the claim number on it and faxed it to Bank of America and showed them the fraudulant act .After I then filed a police report and filed an identity theft report as well .I faxed the police report to them and Bank of America stated it looks like you were the one who ordered it because of my information on my XXXX account my name my address and info .As I was told by Bank of America if there is no name to go by there is nothing else that they can do, so they charged me XXXX after they credited me the money, because they had no one to go by .Thats when I tried to go to XXXX and open a bank account, so that I can finish the dispute with Bank of America with out using their service due to how I was treated and to take further actions and also to build credit.Thats when XXXX stated that my social security number had an account with them but not my name and was made in XX/XX/XXXX, so they gave me an Identity theft packet to go threw and procedures and I completed it.So Im trying to figure out a way to just get my money back that was stolen from me using XXXX on XXXX threw a Bank of America paycard that was not even connected to my XXXX 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 2018-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I initially had my student loans with XXXX XXXX  and I have been working in public service for almost 10 years. Since I have almost met the 10 year mark ( 1.5 years away ), I decided to apply for the loan forgiveness program with XXXX XXXX. The loans were transferred over successfully ( 2 months later ) and then I started receiving letters that I will need to change to a qualifying payment plan. I called them twice to figure out what was going on and today I find out that my loans do not qualify for the forgiveness program because I'm not in the right payment plan. If I had known this, I would have never ever transferred my loans over to them. With the forgiveness program, I would end up paying way more than I borrowed originally or would have paid off with my original payment plan. I told the supervisor that what they are doing is considered fraud and they should be more clear in terms of who actually qualifies for forgiveness eligibility. The supervisor at the loan office acted like this was all transparent. Their definition of eligible repayment plan was never clarified for me. When I asked if I was the first person to call in about this, the supervisor said no. She just kept mentioning it was on the sheet I signed which it wasn't. Needless to say, I will be transferring my loans yet again to another service. In short, be very careful before you apply to the loan forgiveness program with XXXX XXXX.

Company response to consumer: Closed with explanation