vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 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: CA

Complaint narrative:
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 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: CA

Complaint narrative:
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX  ( XXXX  ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.

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 2019-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
I applied for a Credit Card at XXXX XXXX which was approved I made one time purchase at the time of opening. Apparently US Bank was the credit issuing bank but the envelopes they have been sending had no labels on the outside that would hint at that these are for XXXX XXXX. I assumed these envelopes were marketing materials from US Bank which I often get and did not open them until yesterday. That's when I realized that it's for XXXX XXXX. I called them today and they are saying they can't waive the fees and finance charges. My initial balance was only $ XXXX but with fines and finance charges they are now $ XXXX. I only used the card that one time at the time of opening this is basically the first statement on which interest and finance charges have accumulated. They were talking about it's past 120 days ( 158 days ) and I asked them to waive the finance charges and interests within the last 120 days and they are not willing to do that. All this happened because the envelopes from outside had no indication that they are from XXXX hence I never opened them. This is clear ripoff of customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. The CFPB claim on XXXX XXXX XXXX asks XXXX  to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution 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 explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: GA

Complaint narrative:
On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: NC

Complaint narrative:
I was wrongfully expelled from XXXX XXXX XXXX on XX/XX/XXXX for protecting my self from another student in the parking lot. Not only have I been receiving falsified information from my loan service company, I think the school is trying to commit financial aid fraud. They have a refund policy in their student handbook that states the school has 45 days to refund any monies due and I got receipt of my certified written request in XX/XX/XXXX. I have tried to contact the school about my request but was told that both financial administrators have resigned and no long work for the school. I received a letter form school official, Mrs. XXXX, on XX/XX/XXXX asking if I wold consider returning to school at least half time because my student loan may be affected due to my 60 day absence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX  responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX  made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX  family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX  without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX  engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.

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 2019-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR.

My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ).

Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed.

Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank.

The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees.

Please review and contact me with any questions.

Sincerely, XXXX XXXX  ( XXXX ) XXXX CC : New Jersey Department of Banking

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was recently looking through my Experian file on XX/XX/XXXX I noticed there were Inquiry 's I never gave authorization to or have no knowledge of. This was not done by me. I Called the companies involved they said it's best for me to deal direct with Experian to get them removed as they have no signed documentation since I did not deal with these companies Here are the inquiry 's that are not accurate and I would like removed from file.

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2019-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Arbor Residential Mortgage LLC
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

note date XX/XX/XXXX mers report XXXX stated it was sold to XXXX  MAILING ADDRESSES FOR PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  FOR OVERNIGHT MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX  PHONE XXXX CEO GA ATTORNEY Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Contact : XXXX XXXX XXXX : Chief Executive Officer Phone : ( XXXX  ) XXXX  Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was looking at my Experian and noticed there was a few errors on my file Personal Information the following is wrong XXXX XXXX XXXX, XXXX XXXX XXXX are not my names Telephone Numbers listed are no good 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 Spouse is wrong also it has nothing 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 non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I returned a metal drying rack to Walmart Order # XXXX today, the customer service representative was extremely uncooperative and wound up refunding the payment to a gift card instead of my Walmart credit card. I didn't want to stand there and argue with her as she was extremely uncooperative so I came home and called customer service. The representative said she could help me out and transferred me to a department that provides store locations, pharmacy locations, etc. They do nothing for my concern and I was apparently just transferred just to get rid of me. I'm tired of this vicious circle dealing with Walmart, I want this refund to go back to my credit card so I could close this credit card 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 monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Our Wells Fargo Visa card was charged on a card number that had been closed. We closed this card because we began to question the integrity of our contractor. Visa authorized the charge on the card that we had closed.

We hired a contractor ( XXXX XXXX XXXX - XXXX, GA ) to paint the exterior of our home. We paid a deposit of {$2100.00} ( on our WellsFargo credit card ) on XX/XX/2018. The contractor ( XXXX XXXX XXXX - XXXX, GA ) did not finish two portions of the job.

Number one he debated that they provided this service, even though it is detailed in his proposal. Number two, the contractor admitted that this was never completed and he agreed that it would be taken off of the final balance.

1. Perform complete and extensive surface preparation including sanding of all peeling paint and re-glazing of all windows where glazing is loose and/or missing. ( Part of the Painting portion of {$3600.00} ) 2. WOOD REPLACEMENT = {$570.00} Replace ( 2 ) 2x10 on garage. Replace ( 2 ) 1x4 on front garage. Replace 27 feet of lx8 and drip cap on right side. Replace 1 sill nosing with PVC on front right lower window Replace 16 feet of fascia on right side On XX/XX/2018, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged another {$2100.00}. The job was not finished and not signed off on. Plus, he charged us the full balance when items one and two were not compete. The total job was XXXX less the deposit of {$2100.00}, less {$570.00} ( wood replacement - which was not done ), the total should have been {$1400.00}, when the glazing was complete. So, complaint is two fold. First, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged the card without authorization and without completing the project. Second, he overcharged the balance by {$700.00}.

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 2019-01-13 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: CL Holdings LLC
State: AR

Complaint narrative:
Well I call many times, trying to speak to them about the account always get the operator and they only take payment no way to speak to anyone its setup like a fraud account always ask for your ss # but want let speak to anyone just take a payment tells you there hours of open but never can u speak to anyone just the automated system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to you for assistance. I am Chase Bank customer. In XX/XX/XXXX, I was charged a total of {$1500.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1100.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1900.00}. In NSF/overdraft fees. In XX/XX/XXXX, I was charged {$2600.00} in NSF/overdraft fees. It goes back further, but these are the numbers I have. The bank had reversed a few fees through out each year as a courtesy. I have been charged numerous {$34.00} fees for {$15.00} and under charges. I have reached out to Chase several times online and within local branches requesting help. I feel strongly there should be a cap on what can be charged in a year and if a purchase is {$15.00} and under, a fee should be waived. This has been a snowball effect on us. Once we are behind, we cant get caught up. We need help. We are beginning each pay check behind. I am looking for the total of {$200.00} fees charged this current month of XX/XX/XXXX reversed and not effect the courtesy waivers of 3 per year. Hopefully, if we start the year whole, we can avoid running into this ongoing problem in the future. This has to stop. We have paid Chase {$7400.00} within 4 years! Thats a ton of money that we dont have. I dont know what can be done in reversing more from past years, but Please help us!!! I greatly appreciate your time in this matter!

Company response to consumer: Closed with monetary relief