vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX CUR WAS 60 XP/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XP/XXXX/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL 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 2015-05-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After paying XXXX they sent me a bill saying that I still owed them money and late fees. I called them to settle the issue. Spoke to a representive and supervisor on XX/XX/2017 on XXXX seperate accounts, XXXX and XXXX.Bottom line we cleared all accounts.They agreed to dismiss the XXXX.dollar late fee for XXXX which paid that out..XXXX had a late fee of XXXX dollars on it, be reminded that these bills were paid in full. They were sending me a bill for late fees. To clear out all accounts as well as future accounts I agreed to pay the XXXX dollars late which I did at the time and close out all accounts. They agreed and we proceeded. On XX/XX/2017 I received a letter from them stating that I had until XX/XX/2017 to send them XXXX dollars.After calling them again and reminding them that they made this arrangement, they said yes but after further investigating they could not do it. To me you made the arrangement, we settled it and I'am done. XXXX, instead of excepting their responsibility puts a negative report on my credit report never mind the fact that I have been dealing with them for years with serveral differant accounts with never a problem but this was of their doing. I WONT IT 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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have two bankruptcies being reported and filed a dispute along with documentation showing they are being reported wrong. I called into Trans Union to ask the status of my investigation and was told it was verified. I then asked please tell me how this was verified. First they told me they could n't give that information out. After stating that the law states you must supply how it was verified they person said the court house verified with my name, addresses, and social security number. I then stated that was also false since the courts will not verify any information to any credit beauras or third party companies, and also stated that a letter stating that from the court was included in my dispute. I have now sent in a 26 page report from XXXX who provided federal courts info showing that the bankruptcies are incorrect along with a letter from the court stating they wont verify any cases.

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 2017-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I am 60 days late on my auto loan. I have explained to the bank ( USAA ) that I am unemployed. Since they can not do or offer a deferment I asked if I could short sell the vehicle. I would like to take it to a dealer and try to get as much as possible. I know I 'll still owe the bank money but I 've estimated that a short sell would create a deficit of around 8,000. If they repo it and throw it on a repo lot that deficit could exceed 11,000. That 's 3,000 and could possibly be up to 4,000 that I 'm basically being forced to take because they do n't want to deal with a short sale. I even said I would bring the vehicle to them, their response " leave it at your house, our repossession unit will come get it, there 's nothing we can do ''. Is there any way to negotiate this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX - XXXX sent deletion letter and had account deleted from my Experian report. Then sold account to creditor XXXX. XX/XX/XXXX : Negotiated payment and settled account with deletion letter. XX/XX/XXXX : XXXX was deleted off my Experian report. Credit score XXXX. 
XX/XX/XXXX : XXXX & XXXX report " collections '' on my experian report which was settled and removed in XX/XX/XXXX. They are combining the same account # with 2 different names so they can flip flop on and off my experian report. Spoke with Experian for 6 hours, and 14 tier 1 /2 and higher managers, and faxed both deletion letters as evidence.. they refuse to remove negative collections item. XXXX credit score now is XXXX This is a scam and all credit bureaus must be punished for ruining an individuals credit. They are not being held accountable for upholding the consumer 's correct credit information. They are holding my credit hostage. Huge scam by the big banks to profit off hard working individuals.

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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX Experian XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/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 XXXX N/A 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX 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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Office of the Comptroller of the Currency, I am writing to you because the Office of the Attorney General recommended your assistance to my case. 

My name is XXXX and I am seeking legal advice. I was recently scammed by an employer online through XXXX who exploited me using fake cashier 's checks. He asked me to deposit the cashier 's checks and then wait until the funds became available. The funds became available the following day. He asked me to take the funds out of my account and deposit them into another account as a task under his employment. The tasks were to send money to an employee at a foster care home so that the employee could buy toys for the foster children. 

A few days later, I noticed that my bank account was at a negative balance. I went to my bank, Wells Fargo, to figure out what was happening with my account. The employees at Wells Fargo told me that the cashier 's check had been put on hold and eventually returned as a stop payment. This was the point in which I had realized that I had been scammed. I had no idea that the banks could authorize a cashier 's check and then have it be returned. Since the money from the cashier 's check had already been taken out, Wells Fargo proceeded to take the money that was returned from the check out of my account, leaving my account at a negative balance. 

I have already filed an ICC report through the FBI, but I have not heard from them since I filed the complaint on XXXX, 2017. I have insufficient information on the employer that scammed me, but I did give the FBI information on the name, account number and routing number of the person 's Wells Fargo account that I had deposited the cash into. I believe I have given the FBI enough information to at least track down an accomplice to the scammer. 

I am currently waiting for a response from the FBI because I do not believe I should be held responsible for the fake cashier 's checks. Wells Fargo never once told me that the checks were fake. They simply told me that the cashier 's check was returned by the maker. I do not understand how the bank can allow fake cashier 's checks through their system. I went to the police before I filed the ICC report and the police told me to not pay the banks back. 

I am seeking legal advice because I am not sure if I have a case here. Wells Fargo were the ones that authorized the check. I had no idea at the time that the check was fake. I am confused as to how Wells Fargo let fake cashier 's checks through their system. I am unwilling to pay Wells Fargo back since they authorized the checks and made the funds available to me. 

Thank you for taking the time to read about my case. I am looking forward to your response.

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 2017-01-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received communication from a company stating that a debt is due from XX/XX/2014. I do n't own XXXX or XXXX for any debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I purchased a vpn box thru a website called XXXX On XX/XX/XXXX and of today I have not yet received my product. Paypal was contacted and claim number XXXX was open in which this was their response : Case ID # XXXX has been closed Dear XXXX XXXX, After further review of the claim you filed against XXXX, we have determined the issue you have described or the merchandise or service associated with this transaction is not covered by PayPal Purchase Protection. As a result, this case has been closed and we 're unable to take any further action. 



Transaction Details Case number : XXXX Seller 's name : XXXX Seller 's email : XXXXXXXXXXXX Seller 's transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : - {$250.00} USD Your transaction ID : XXXX For detailed information on what is covered by PayPal Purchase Protection, you can view the PayPal User Agreement, which you accepted when you created your account. Simply click Legal at the bottom of any PayPal page. 

Please note : Records of all cases are kept in the Resolution Center for your convenience. 

Sincerely, PayPal Copyright ( C ) XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. 

PayPal XXXX I feel Paypal has bypass somehow some banking agreements and has failed to recuperate my money while no goods or services were rended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
TOOK OUT MORTGAGE WITH XXXX, XXXX XXXX XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO NATIONSTAR, XXXX. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: ME

Complaint narrative:
I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Center, LLC
State: NY

Complaint narrative:
Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: IL

Complaint narrative:
About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.

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