vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: WI

Complaint narrative:
I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past bankruptcy case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. XXXX and Experian said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date Bankruptcy  file number Bankruptcy plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin Bankruptcy court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the bankruptcy court does not report to the credit bureaus nor is it mandatory to have a bankruptcy listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR

Complaint narrative:
I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX my ex-wife and I got a divorce after 21 years of marriage and she was awarded the homestead purchased in XXXX which she intends to keep and continue to raise our XXXX children in. The mortgage of the property however remains solely in my name and credit. In 2017 I quitclaimed the house deed over to her and now she is solely on title. Wells Fargo refuses to help her assume this loan claiming that the loan is unassumable even though they had already sent her forms to begin the assumption process. 

In addition, Keep Your Home California ( KYHC ) has accepted her as a client and offered to assist her in catching up on the mortgage and assuming the loan if Wells Fargo would acknowledge her connection to the loan since their program only benefits their clients of which I am not. I have long moved out of the property and she had been making payments until the loan interest rate reset in XX/XX/XXXX and the payments increased from {$3200.00} a month to {$5300.00} a month, which is unsustainable in its present form. It is strange that after over seven months of speaking with more than 10 people in different Wells Fargo departments, they are not offering a way to refinance/assume this loan. We have explained several times to Wells Fargo that by acknowledging her connection to the loan, KYHC would assist her in paying the past due amounts and assuming the loan, but they have not done any thing and have been calling with extensions on their internal investigation while the clock has been running and my credit has continued to show more late on the outstanding payment. 

Please your assistance is needed to help resolve the long standing matter. Thank you. 

Sincerely, 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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of america is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to Bank of America. They are also reporting my account is OPEN on XXXX  credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, a mobile deposit was made by me to my XXXX XXXX XXXX checking account for the amount of {$4600.00} On XX/XX/XXXX, XXXX   indicates the same check was 'negotiated ' at Wells Fargo On XX/XX/XXXX, XXXX debited {$4600.00} out of my checking account saying the debit was being made to 'reverse deposit made on XX/XX/XXXX as duplicate item '. 

There was no 'deposit ' made to my checking account on XX/XX/XXXX. 

As such, there is no 'reverse ' deposit to be made. 

Secondly, the original check I deposited through phone was destroyed after the initial deposit was made in XX/XX/XXXX. As such, there is no way a physical check could have been presented to Wells Fargo by another person, almost a year later in XX/XX/XXXX. 

Thirdly, even if the check was presented to Wells Fargo somehow, it is not clear how the check presenter 's ID was verified and confirmed. As I've never attempted to make a duplicate deposit with the same check. Again the original check was destroyed back in XXXX, XXXX. 

The original check was issued by XXXX XXXX XXXX XXXX ( XXXX ). According to their investigation, the duplicate check cam to XXXX via banking channels thru routine clearing. No individual presented the check to them and physical check never got to them. 

XXXX did not honor this check. Per XXXX, on XXXX, when the same check was presented they didn't honor it as it was duplicate. But somehow, the check was 'deposited ' to Wells Fargo account belonging to New Jersey Department of Revenue Services and the fund was withdrawn from my XXXX checking account. 

In summary, somehow a dubious, duplicate transaction was made using the same check ( or image of the check ) I'd deposited in XXXX, XXXX. XXXX   'reversed ' this transaction in XXXX, XXXX without my authorization. It is not clear how the physical check was presented to Wells Fargo as this is not possible. XXXX claims no responsibility. XXXX says they do not know what happened because this is a transaction made between XXXX and Wells Fargo. Meanwhile, the deposit stamp on back of the 'physical check ' indicates this money was deposited to an account held by New Jersey Department of Revenue Service . Lastly, it is not clear image of the check presented the 2nd time is actual copy of the 'physical check ' or mirror image of the picture taken back in XXXX, XXXX. 

XXXX and XXXX are claiming no responsibility for this transaction, even though there is no clarification as to how the duplicate transaction was attempted, to whose account the money was sent to and whether there was any validity to the 'reserve deposit ' transaction claim they've received from Wells Fargo 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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: KS

Complaint narrative:
XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: KS

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on Experian credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: LA

Complaint narrative:
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )

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 2018-04-23 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: LA

Complaint narrative:
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation