vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I contacted Wells Fargo Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of Wells Fargo improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical Wells Fargo ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and Wells Fargo aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and XXXX are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, XXXX Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that Wells Fargo send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2019-12-03 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: FL

Complaint narrative:
Chase bank I turned off my overdraft protection I still got money pulled out plus the fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
I have been sending my fiance funds for over three years now, each of the other agencies refused to let me send to her after I tried sending a larger amount. XXXX XXXX. Moneygram, and Now XXXX, all of allowed me to send her money. I have been trying to send to her to get back home, yet again XXXX cut me off. The same time of year the others have done. It's my money and I'm old enough to send to whomever I want, yet they flagged me into their system. How is she supposed to eat now. Or even return home. She returned to the XXXX XXXX to bury her grandfather, and I'm trying to send the funds to her to pay for grandpa 's funeral. Yet XXXX  will not allow me to send. I have known her and her family for years now, but I can not convince them we are a couple and have officially been for over three years now. That I'm not being scammed, not am I being taken advantage of. I need help getting her money for the return home and finish paying for a funeral.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
A few months ago I was startled by an alert on my credit advising that a collection account appeared on my credit from a company called LVNV Funding. I immediately contacted them by phone only to be on hold for an extensive period of time. I also sent them a certified letter to the address on my credit which is LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and the letter was returned. However the account remains on my credit and I was not notified before they placed the account on my credit .... put simply the unknown debt was not verified and I can not reach them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster Bank denied my application for a Heloc. They state that the annuity income I reported can not be considered because the funds originated from my husbands retirement accounts. My husband authorized the distribution and the annuity is solely in my name. Im seeking only to borrow funds to pay the taxes on the retirement distribution. I believe that Webster Bank is discriminating against me by denying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX  credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX  credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX  and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.

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 2019-12-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Unknown and unauthorized hard inquiry on XX/XX/2019 by JPMCB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} 0 % paid off

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 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX I discovered that my credit report reflected a collection account for {$72.00} from XXXX XXXX. The collection agency was Evergreen Professional. I was unaware of this debt or what it was exactly for. I contacted XXXX online, they told me they couldn't provide me with copies of the medical billings. I wrote to Evergreen and XXXX. I did finally receive a copy of billings at it showed I owed {$57.00} ( not {$72.00} ) from a XXXX XXXX. I paid it immediately when received and wrote to XXXX asking them to remove this from my credit report. They cashed the check. 

I had my credit looked at today, Evergreen still has a collection account listed there, this time for a third different amount, {$15.00}. They've listed this collection at {$72.00}, {$57.00}, and now {$15.00}. I have had ZERO response from Evergreen.  They do not respond to letters or disputes. I am hoping you can help and have this removed from credit account. The billing practices of XXXX created this confusion ( never saw the {$57.00} due amount until two and half years after the services ), the numbers have been wrong, and the communication terrible from both companies. Neither XXXX or Evergreen have written to me to explain anything. 

Assistance is appreciated.

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Card Issuer : Bank of America Credit Card, XXXX XXXX  : Unapproved merchant declaration of charges. Fees were not reimbursed. 

The point when charged were constructed I was in ownership about card. 

Another Witness : Any voicemail demonstrating all transactions associated with it. 

Suspect fraudulently utilizing my card : XXXX XXXX  I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. 

Discrepancies also surprising transactions on invoice. 

The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. 

Listed persons are in custody and control of the originals.

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 2019-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a Khols Card underwritten by notorious liar Capital One Bank/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: AL

Complaint narrative:
THE BANKRUPTCY REPORTING ON MY CREDIT REPORT IS IN ACCURATE, PLEASE REMOVE FROM MY CREDIT REPORT.

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 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XX/XX/2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and Transunion are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2019-12-03 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, Equifax ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian  Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I contacted XXXX XXXX Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously Experian, XXXX  ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2019-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation