vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX/XXXX  ( This is not my account, please remove ) {$1100.00} XXXX  XXXX ( This is not my account, please remove ) {$2700.00} WEBBANK/FINGERHUT {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} XXXX XXXX XXXX {$980.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NC

Complaint narrative:
Transunion is listing 2 Credit Cards with XXXX XXXX XXXX  as new accounts therefore affecting my Credit Score. I closed these accounts XX/XX/2018.

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 2020-03-06 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: DE

Complaint narrative:
Bank of America is in clear violation of Reg Z 1026.5 General disclosure requirements. On at least 5 occasions, BAC has failed to produce an accurate monthly statement which clearly reflects the balances subject to finance charges due to the fact that for each rate the balance is either XXXX or the field is blank when in fact I do have a balance subject to a specific interest rate. Furthermore, they are assessing interest charges on said balances. I have tried multiple times to raise this with the bank and the reps do not understand Reg Z requirement nor are the at aware of the disclosure on the bank of the statement which clearly outlines what each section of the statement means and it is required to reflect the details of the loan. 

If requested, I would be happy to provide a copy of a statement.

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 2020-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
The collection agency, Ad Astra, used my checking account and routing number to withdraw {$1900.00} from my account via electronic ACH. The image on the check shows it made out to " Ad Astra/XXXX XXXX ''. 

I did NOT authorize this, and, as a matter of fact, XXXX XXXX had a stop-pay on their collection efforts. Since this attempt came through Ad Astra 's checking account, it was allowed to go through. 

Ad Astra as a 3rd party did NOT have my permission to withdraw funds from my checking account - they used information that they gained from their client - my DDA number and name and address for the top of the check - to make this withdrawal look official. 

I looked it up, the original debt was XXXX XXXX, this company that took the money out of my checking account is a third party working for them Ad Astra. I originally had a contract with them ( XXXX XXXX ) and paid them back the money I borrowed. As Astra is now trying to collect {$1900.00} more worth of interest apparently. XXXX XXXX had permission to take money, after I paid them they are blocked and using this third party ( Ad Astra ) to bypass it. I have no idea who Ad Astra is, they don't have permission to take money out of the checking account nor have debt collection information for me to verify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  {$590.00} XXXX/XXXX {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2020-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: NH

Complaint narrative:
The lender, J.G. Wentworth Mortgage, continues to owe me an escrow refund of {$250.00}. This lender initially owed me {$1400.00} and committed to pay in their company letterhead dated XX/XX/XXXX. However, they have only paid {$1100.00} shorting {$250.00}. Written request dated XX/XX/XXXX and XX/XX/XXXX were sent to J.G. Wentworth Executive team, attention XXXX XXXX, and phone calls were made seeking for the balance amount. However, J.G. Wentworth is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
During last year someone open 3 American Express under my name. They open also a checking account under my name. Apparently payments where made. When I realized I notified AMEX. AMEX wrote a letter attached notifying me that I own the money to them. 
They have also submitted those account to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
The name of this company is called, XXXX XXXX and I received a phone call from them about 2 weeks ago where they claimed that my Kay Jewelers account has been forward to their office. They wanted to help me settle this matter outside of court. At first they told me the balance on my account was over {$1300.00} for attorney fees but I explained to them that's incorrect because my balance on my Kay Jewelers account was a little over {$750.00}. The individual who I spoke with placed me on hold to see if he could decrease the fees. He immediately return to the " line '' and said they could bring my balance to what I originally owe which was the {$750.00}. At first, they wanted me to pay the balance in full which I told them I could not do because of a financial hardship that I have. Therefore, they agreed to place me on a bi-weekly payment plan of {$62.00} until settled in full. I went along with this payment plan but at the same time, I had questions. 

I called my Kay Jewelers customer service number and the representative told me that they did not forward my Kay Jewelers account to no outside office. They warned me that it's a scam and told me to cancel my debit card immediately since the company has my information. Kay Jewelers still has my account in their office and they put me on one of their hardship programs to help bring my account current. I knew something was wrong because my account isn't charged off so why would this company call me talking about a lawsuit and asking do I want to settle my account outside of court? I believe they were honestly trying to scam me. It's a shame that there are companies out here like this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I initiated a dispute on an XXXX XXXX XXXX XXXX collections account reported on my Equifax credit report. I called Equifax and gave details on the reason for the dispute and I followed up with a 3 page written document explaining the reason for the dispute, which document I mailed to Equifax in XXXX Georgia. To my surprise, Equifax sided with the collections account without carrying out any independent investigation. I was informed by the Equifax representative I spoke with that the investigation process involved sending my dispute documents to XXXX   XXXX XXXX  XXXX  XXXX in turn responding that the debt was valid irrespective of what information I sent to Equifax. The collections account from XXXX XXXX XXXX  XXXX is as a result of pest control charges which my former Landlord, XXXX XXXX claims I owe. At no point throughout the duration of my stay at XXXX XXXX did I receive a bill for any pest control charges. I received statements from XXXX XXXX every month when I lived there for rent and utilities which were fully paid. At no point, did I enter into any contract with said former Landlord ( XXXX XXXX ) to pay for the pest control treatment. In XX/XX/XXXX, pest control was carried out in the XXXX XXXX apartment I resided in. At no point prior to, or after, the pest control treatment did XXXX XXXX send me any bill for pest control charges. My lease expired in XX/XX/XXXX and the final account statement sent to me by XXXX XXXX after I moved out did not include any charges for pest control. The issue of pest control charges was brought up for the very first time by XXXX XXXX on XX/XX/XXXX in retaliation for my request to return my security deposit which they claimed at the time was used for cleaning the apartment after I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at Experian and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from Experian. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.

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 2020-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. Equifax has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: PR

Complaint narrative:
On XX/XX/2020 I wrote a letter to First Source indicating them that account XXXX with XXXX XXXX was due to Fraud. Even though I notify them by mail they still sending me a collection notice. Attached is the collection notice and the date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint out of total frustration with Wells Fargo. I have a mortgage with them and I just want to log in and see get a statement. After successfully logging in, when I clink on on statements the web site tells me I need to phone in to WF to get an access code. After holding on the phone for 20 min I finally get connected with a person who asks me several security questions,. He then informs my responses failed. He asks me another set of questions which also fails. I am 1000 % sure that the answers I gave him are correct. At my request he connects me with a supervisor who informs me that I can either call back and be re-validated or go into a branch ( I do not have time to spend hours going to a branch to deal with this ). I call back and wait on hold for and extremely long time again finally speaking to a representative. After giving her my info she says she is working on it, then there is a click and I am back in the holding queue to speak to a representative again.

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 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
On. XX/XX/2020 I wrote a letter to Nationwide Credit , Inc . Claiming the account with XXXX ending in XXXX was not mine and I was a fraudulent account open under my name. On XX/XX/2020 I received another collection notices from them. Since I am a victim of fraud they should not be harassing. me with fraudulent accounts. They should investigate and not seeking payment and violating my rights. Most of all ignoring my request.

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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland Credit Management ( MCM ) was authorised to take {$25.00} out of my account, starting XX/XX/XXXX-XX/XX/XXXX. Instead of just 3 months, someone put in 23 months of payments. MCM continued to take {$25.00} out of my account each month for the next nine months without authorisation! Without my knowledge! ( I wasnt getting any statements in mail ) Im not a person that usually checks my bank statements & that was my XXXX XXXX resolution to become financially fit. Accounting for every penny that I spend. Ive been talking with the MCM since XXXX, ( on a weekly basis, or more ) trying to resolve this issue & get back to {$220.00}. With no progress, till last week. XXXX XXXX ; Management of MCM authorise a refund for {$220.00} said, Money would be back in my account within five days. Today is XXXX XXXX ; I called the company again today before filing my complaint. I set up for payments ( my bills ) to be taken out of my account today, the company had said that my money would be there by Wednesday, XX/XX/XXXX. Now I have NSF charges & the amount of $ XXXX {$220.00} they still owe me for the refund for a grand total of {$490.00}! The company today had to say today, Well it takes time for the money to go back into your account! Today was 9 days. MCM says today, It could take up to 20 days. They just keep jerking me around! I dont think I will ever see my money & now I owe more than what they owe me because of their lies. I did tell them I was reporting them to the XXXX  & FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Vouch Financial Inc.
State: NJ

Complaint narrative:
i cheked my credit a few months ago. its not the law, I never had a vouch   account I dont speak english the rep is very abusive with language. The other bureaus deleted it but XXXX  refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete vouch   and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status

Company response to consumer: Untimely response