vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This loan was originally obtained in XX/XX/XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my Equifax report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XX/XX/XXXXas expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XX/XX/XXXX. I contacted equifax via telephone and the representative notified me that as of XX/XX/XXXX XXXX  reported that I was only 180 days late on the account. By my calculation a delinquency from XX/XX/XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to Equifax. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IN

Complaint narrative:
1. On XX/XX/XXXX I was assessed a XXXX overdraft fee on one of my PNC accounts.

2. I had 100.00 on one of the other accounts to cover any transactions, plus based on my budget and expenses, I knew those XXXX would cover anything coming. I am enrolled on overdraft protection.

3. When I called PNC to ask as to why I was charged that fee, I was told that it was because balance on the account was XXXX. When I told representative about the account with the XXXX, she told me such account was not part of the overdraft protection.

4. Back in XX/XX/XXXX, a PNC employee by the name of XXXX XXXX assisted me with an issue and he opened a checkings account for me ; I'd asked him to ensure all of my 3 accounts were connected and part of the overdraft protection. At any point during such conversation did he told me that would have not been possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.

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 2018-06-08 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I disputed a fraudulent account with XXXX XXXX and all three credit bureaus. Between XX/XX/XXXX inXX/XX/XXXX that fraudulent account from XXXX was deleted from my credit report. Out of spite someone internally at XXXX wireless pulled in an unauthorized credit report using my Social Security number. I am mediately was notified from my credit monitoring service. I called XXXX XXXX fraud department on XX/XX/XXXX, spoke with XXXX in which I recorded the call, XXXX admitted that XXXX ( internally ) pulled my credit to establish a paper trail against me. This was done out of spite due to me having it removed from my credit per fraud. I am seeking legal remedy, hiring an attorney as this is illegal. I never authorized XXXX XXXX to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I sold Bitcoin to username ( XXXX ) on XXXX. The buyer then did a reversal of funds by claiming the payment was unauthorized. The transaction date was XX/XX/XXXX and I was notified of the reversal of funds on XX/XX/XXXX. The transaction amount was for {$7300.00} ... The transaction was through PayPal and I have been in constant contact with PayPal regarding the situation. PayPal has ruled in favor of the buyer because they say they don't cover digital transactions. I sold a product valued at {$7300.00} and received the money for this product. Now PayPal wants me to refund them the money for this product but I have no way to recover the product ( Bitcoin ) which I sold. I have screenshots of everything concerning the transaction including payment verification and my communication with both the buyer and XXXX. I'm a person with fine credit and am being victimized by this whole fiasco. I'll include everything I have showing my transaction. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: MI

Complaint narrative:
I believe I have fallen VICTIM of their inquiry issue. 

My TransUnion Credit report is showing multiple hard inquires that I am not aware of as I keep a very close eye on Credit Reports working had to maintain an Excellent credit profile. 

XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : 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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. 

I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
Today, XX/XX/2018, I received a notification that Caliber Home Loans would henceforth charge a {$3.00} fee for paying our mortgage online. Only if we authorize continuing automatic access to our checking account will that fee be waived. This policy is outrageous. I asked Custimer Service for the Caliber Corporate Offices number to complain about the policy but was refused that information. The corporate phone numbers appear to be nowhere on the web. 
Again, I am angered on several levels : I asked specifically for a XXXX XXXX for our new house because of online access. Secondly, this is s cheap attempt to force automatic payments and access to personal accounts. Three, this is UNFAIR to  veterans who count on access remotely during deployments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: VA

Complaint narrative:
XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2018 at XXXX I contacted Wells Fargo to revoke authorization of debits for the company XXXX XXXX XXXX because they didnt disclose all of the hidden fees with me. A Wells Fargo representative acted as if he was filing a claim and gave me a made up confirmation number. Well on today when I checked my account the company XXXX XXXX XXXX had debited XXXX once again after I submitted a letter to the company and after speaking with a Customer service at Wells Fargo.i spoke with the bank again today they apologize and submitted a claim for real this time but now Im without my money because of an employee who I trusted at Wells Fargo.

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 2018-06-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I mailed a certified letter on XX/XX/XXXX to XXXX for them to provide validation for accounts that are appearing on my credit report. I received a letter from XXXX on XX/XX/XXXX that included a copy of my credit report and no proof that the account belongs to me. This is my second attempt and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the accounts listed below : XXXX XXXX XXXX Navient XXXX 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 to all accounts posted on my credit report. If the accounts are unverifiable they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: NC

Complaint narrative:
I called Experian again today to get a student loan balance taken off of my Experian Credit report. I have provided them, twice, letters showing paid in full balances for my XXXX student loans. The Experian representative was very rude, would not correct my account, let me directly send in the letters again, speak to a supervisor, and finally she hung up on me. This is unacceptable customer service

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 2018-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: EQUIFAX, INC.
State: IA

Complaint narrative:
On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: MI

Complaint narrative:
Unknown hard inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I filed a previous complaint on XX/XX/XXXX against professional debt mediation and received a response on XX/XX/XXXX how ever the information sent to me was another person idenity I still have not had my complaint resolved but some one else 's idenity

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 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
ON MONDAY XX/XX/XXXX I HAD APPLIED FOR A LOAN WITH TURNER ACCEPTANCE CORP . I WAS ADVISED THAT I WAS APPROVED FOR THE AMOUNT I HAD REQUESTED WHICH WAS XXXX. I WAS ADVISED TO BRING MY PAYSTUB MY ID AND WOULD VERIFY MY PHONE NUMBER AND AN APPOINTMENT WAS SET FOR XX/XX/XXXX @ XXXX. I HAD ADVISED THAT THE PHONE I CURRENTLY HAD WAS BROKEN BUT THE LINE IS STILL A GOOD WORKING NUMBER ( NOT DISCONNECTED ). THE REPERSENTATIVES SEEMED ANNOYED WITH THAT AND STATED THEY NEEDED TO VERIFY MY NUMBER WHICH AGAIN WAS NOT A PROBLEM, BUT I NEEDED TO GET A NEW PHONE TO PLACE MY CHIP IN IN ORDER FOR ME TO ANSWER THE PHONE. UNDER MY NAME I HAVE TWO LINES AND THEY REFUSED TO USE THE SECOND LINE THATS UNDER MY NAME TO VERIFY PHONE NUMBER SO IT DOES NOT MATTER WHAT NUMBER IS USED TO GET A HOLD OF ME SINCE BOTH ARE MINE. THE APPLICATION WAS AT THE XXXX XXXX XXXX XXXX LOCATION. SINCE I HAD TO GO ALL THE WAY TO MY HOUSE TO GET THE CHIP I HAD REQUESTED THE APPLICATION BE TRANSFERED TO XXXX XXXX XXXX XXXX SINCE MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX IL IT WOULD HAVE BEEN EASIER TO GO TO THE SOUTH LOCATION SINCE ITS CLOSER TO MY HOME. THEN I GET TO THE SOUTH LOCATION AND I WAS ADVISED MY ACCOUNT HAD BEEN FLAGGED FOR SUSPICION/ FRAUD AND THEY REFUSED TO DO THE LOAN. THEY ALSO BEGIN TO TELL ME THE REASON IT WAS TURNED DOWN DUE TO MY PAST PAYMENT HISTORY, NONE OF THIS WAS TOLD TO ME BECAUSE I WAS ALREADY ADVISED I WAS APPROVED WHEN I HAD FIRST APPLIED. THIS IS NOT HOW BUISNESS IS DONE I GAVE THEM EVERYHTING THEY NEEDED AND THEN GAVE ME FALSE INFORMATION AS TO WHY MY LOAN WAS DENIED AFTER I WAS ADVISED IT WAS APPROVED! I AM REALLY UPSET!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IL

Complaint narrative:
Hello this company has called me over 25 times in one day. I asked the represensative to place me on the do not call list and she said she was not going to I asked her to call her manager she refused and hung up the representative has continue to harass me over and over calling every 2 to 3 min after each other

Company response to consumer: Closed with explanation