vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted the XXXX, XXXX, Experian, and Borrower Defense Department. 
Nothing has been done or verified. Per the terms of Borrower defense discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX XXXX Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX Federal Building and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I HAVE TRIED 3 TIMES TO GET THIS COMPANY TO PROVIDE ANY PROOF THAT I OWE THIS DEBT. IT SHOWED UP ON MY CREDIT REPORT AND I HAVE NEVER RECEIVED PAPERWORK FROM THIS COMPANY. I TRIED TO CONTACT THEM AND I GET THE RUN AROUND. I HAD AN ACCIDENT OVER 4 YEARS AGO AND WITH THE SETTLEMENT WITH THE INSURANCE COMPANY, I WAS TOLD BY ALL OF THE HOSPITALS AND DOCTORS BILLING DEPARTMENT THAT I HAVE HAD EVERYTHING SETTLED. THAT WAS THE LAST TIME I WAS EVER SICK. 

THEY HAVE PLACE TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT, WHICH DESTROYED MY CREDIT SCORE AND I'M IN THE MIDDLE OF PURCHASING A HOME, THEIR RESPONSE TO ME, WHEN I CALL THEM : JUST PAY THE BILL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. 

I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. 

Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. 

I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CASHCALL, INC.
State: FL

Complaint narrative:
The guy claim his name is XXXX XXXX and he work for a debt collection agency for a online payday loans company. This man has call my job since the first week in XXXX. He will call my job several times in one day. I ask him to stop calling my job and he still does. I told him verbally and by e-mail. I ask him for more information on this loan who I got it through but he will not provide it for me. All he keep saying is a online payday loan. I ask him to stop calling my phone but he still calls. XXXX is demanding I pay him money by putting it on a gift card from XXXX or I tune card. I have had the police to tell him to stop calling and he still calls. My boss has told him I can not take personal calls and he still calls and my boss had the police to talk to him. This man is making me ill. I am not sure if this is his name because of the foreign accent. I can not get him to stop calling my job. I don't owe this debt as far as I no. When XXXX call the job and I refuse to talk to him some kind of way he will have all the phones ringing in the office all at the same time. I no he is a scammer but I don't no how to keep him from calling my job. I have the number block from my phone. I have also got in contact with a debt collection agency for online payday loan debts and they told me it was a scam. They do not do money on a gift card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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 had a XXXX XXXX XXXX XXXX loan that was settled for less. The matter was considered settled XX/XX/XXXX. Experian started reporting the incorrectly in Nov/Dec of XXXX. Instead of nothing more negative showing after XX/XX/, Experian started a separate failed to pay negative remark for these two months, thus creating what looks like two incidents. Both sides say they understand and see what the issue is, yet as of writing this, it still shows incorrectly. My Experian score is more than XXXX points lower and this is the only difference. I have tried with both places involved to correct this. So with no other options I am asking you for 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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: TX

Complaint narrative:
Not only was I unaware a Square account was in exsistence for me that was in collections I am also not connected with a company that is the owner of this debt. I was told the debt is 4 years old. I am just hearing if it and Square is wanting to prove my high school reunion is seperate. They wont allow me to speak to someone to sort this out. I was asked my social security number and told I must pay $ 2100+!? 

No rights, no letter and no proof they have me on some business document. Is this legal? They are going to take {$2000.00} from my reunion. I dont even know who or what the debt is. 

XX/XX/19 I get an emai that says they are debitung my bank account for over {$2000.00}. I call and speak to someone who cant see why. They email me that the matter is closed I need to pay or prove the accounts are not related. I got this email today. 
Hi XXXX, Weve confirmed that the account XXXX.XXXX associated with " XXXX '' is connected to XXXX. Article 15 of Squares Payment Terms allows Square to offset any funds you owe us with the balance of any other Square account connected to your business. Weve exercised our right to offset your dispute-related debits from the available funds in the connected account. 

This investigation is closed and the decision is final. If you would like us to reopen this investigation, please provide us with government-issued formation documentation that certifies the businesses associated with your two Square accounts as separate entities. 

As a result of the offset, a debit was initiated to your linked bank account in the amount of {$2200.00} on XX/XX/19. If your bank account doesnt have enough funds to cover this full amount, any withdrawn funds will be returned to your account per your banks schedule. Alternately, please respond to this email with a dollar amount that we can schedule to debit from your bank account to cover this negative balance on a weekly or monthly basis. 

Were not able to provide phone support for offset-related questions, but Im available to discuss this matter directly with you over email. Looking forward to hearing from you and helping you get your account back on track. 


Best, XXXX XXXX XXXX ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX XXXX XXXX and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I noticed a fraudulant charge to a company i do not know of : ( XXXX ) of {$4.00} on XX/XX/19 and again of {$92.00} on XX/XX/19. I filed disputes and XXXX XXXX refunded the {$4.00}, but refused to refund the {$92.00}! They are from same company. I was given the runaround, lied to, hung up on, and completely been ignored. I was put on hold for over 65 minutes twice. They are unprofessional to say the least. I am still waiting for the paperwork they supposedly sent me. I called the compang i found online with the name on my charges and the phone numbers arent working. I am XXXX and need every penny, but they took it from me. Please help me recover my funds and make sure they cant do this again. Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: TN

Complaint narrative:
This initially began in XXXX and XXXX when the XXXX, TN Republic Finance employees ( XXXX and XXXX ) would repeatedly call me as soon as my payment was 5 days past due ( after the company grace period ) but I could not give them an exact date on which I would be able to make my payment. If I was unable to answer the call because I was working, they would call all of my references ( even though I was only a few days late ). They would often speak rudely to me and talk over me. I finally filed a complaint with Republic 's customer service department. I spoke with XXXX on XX/XX/19, who said that she would reach out to the Regional Vice President regarding my issue. I received a letter a few days later from XXXX XXXX stating that the representatives would no longer be able to phone me. I began making my payments online so that I did not have to interact with the rude employees. On XX/XX/2019, I made my payment online at about XXXX XXXX. Shortly thereafter, I was on the telephone with my husband ( one of my references ) when he received a call from XXXX stating that if I did not call him in the next five minutes he would flag my payment as late. I called XXXX, feeling threatened, and told him that I was returning his call. He immediately began to be rude to me and told me that because I made my payment online at the end of the month rather than calling the store to make my payment that it was going to be considered late. He said that they tell customers that the payment must be made by 3 to considered the same day. I told him that as many times as they have called me no one ever told me that. I tried to ask XXXX if my payment was definitely going to be considered as late because that was not what was said to my husband. He refused to answer my question but instead continued to chastise me for not calling the store. I became very frustrated with how he was talking to me and by him not simply answering my question so that we could end the phone call and explained to him that that ( the way he was speaking to me ) is why I do not like to call. 

I have tried to work with the employees at Republic Finance yet they refuse to be polite and work with me. I understand and honor my responsibility to the best of my ability. I am a hardworking bill paying adult who does not deserve to be treated ( abused & harassed ) the way XXXX and XXXX have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: MN

Complaint narrative:
This involves Transunion credit reporting again. I have had issues with them on at least two other times mixing up my credit report information with another person 's information. 

I was applying for a new job on XX/XX/XXXX and I was unable to unlock my frozen credit report on Transunion because my identifying information did not match. I called them up on XX/XX/XXXX and they told me I have an error on my credit report record once again a mixed file error. This is now the third time this has happened. Same problem. I called them twice already to fix it and it seems to keep happening they can not seem to fix the problem. How did my credit report get changed at all when I had a credit report freeze on it? 

I would like for this to be investigated and for Transunion to finally figure out how to fix this problem once and for all so it does not happend again. I have no confidence in Transunion 's ability to fix problems at this point. Three times is way too much for a probem to happen with Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: NY

Complaint narrative:
I am having problems with Experian and Experian XXXX. 
As of last month I had a XXXX XXXX score of XXXX or there abouts. On XXXX I had a score of XXXX. O had a debt on my record from XXXX and I paid it off. Ever since my XXXX XXXX score went down to XXXX from what I see. My XXXX  score is dropping from XXXX to XXXX. I tried Appling for Experian XXXX and according to Experian I have no score and no revolving credit so I don't qualify for Experian XXXX. To me this seems to be a catch 22. Also since I got my creditors paid off and no revolving credit why can't I have a score of at least XXXX or better. This is affecting my ability to apply for and obtain an auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unbeknownst to me, my wife bought a truck at a used car dealer 's tent sale and when she brought it home I questioned her actions and made her understand that she could not afford the truck or the loan payments. She is a XXXX elderly person with a multitude of ailments and takes an incredible amount of prescription medications which renders her XXXX  XXXX quite XXXX. 
I do not understand how she could get a loan of this magnitude when her only income is {$1000.00} a month and the monthly payments would be {$630.00}. 
We went back to the dealer and I asked them to take the truck back and cancel the contract. The tent manager told me " She owns the truck - deal with the bank '' I contacted a local branch of the bank and they told me there as nothing they could do, if there was an alternative she could do a voluntary repossession. The legal consequences of this are quite disturbing. 
I believe this contract is voidable as she did not have the XXXX XXXX to understand what was involved here.

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