vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies  never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX  ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

Kay Jewelers are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The company PayPay offered me credit ( 6 months interest free ) on purchases over {$100.00}. I took the offer and did not offer any income or employment information. I always paid off the balance that it said to pay to avoid interest charges. On XX/XX/2019, I applied for a 0 % interest free for 12 months account from chase for the reason to pay off 2 credit accounts that were about to start charging interest ; PayPal Credit and XXXX XXXX. I went to look for the account number on the PalPal account and could not locate it. I had to call to get it. When I told XXXX XXXX the account number they said it was 1 too many characters and they couldnt process the payment to pay off the account. I called PayPal and they said I couldnt pay off my account with them with a another credit card! I was appalled!! I asked them to send me a copy of the contract I signed and the have refused to send it to me. They directed me to the area where it was in their policy and it does not state I cant pay off my bill with them with a balance transfer!! Ive attached a copy of where they directed me ASSIGNMENTS. Reading this does not say to me that I can not pay off the card with another! Plus I did not sign a contract to get this account!! This company is scamming people and breaking the law!! How can they get away with charging 20 % interest and not provide a contract that I did not sign??? I am not paying the interest charges! My credit has been effected. Their record keeping is so confusing you dont know what they are doing and I was a expert in billing Medicare fore 25 years. They have to be stopped!! They also asked me to update my income status, I refused. 3 months later they doubled my credit limit without me asking for it. They apply payments and credits incorrectly. I included the emails where there replied to my request for a copy of the credit card application. I HAVE NEVER RECEIVED A COPY OF THE CONTRACT!! I never signed a contract.

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 2019-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Business Information Name : Wells Fargo XXXX XXXX XXXX XXXX : XXXX , Fl Zip/Postal Code:XXXX Issues/Description of Complaint : In XX/XX/2018, two checks were cashed on my account in XXXX, Florida. I am a resident of Nc. The checks were cashed for the full amount on 2 days back to back. The checks were from a XXXX account that did not exist. The only form of ID requested was my account number. The amount of the 2 checks was over XXXX. When the checks bounced the choose, they chose not to call me, but to send me a letter. In the letter, they said that since funds were not available in the checking account, they took the money from my money market. I filed paper work 10 days later and the amount was refunded. 
At that time, I was told that a teller at the branch cashed both checks. There was no attempt to verify the identity of the person. All that was presented was the bogus checks with the account number on the back of the check. My funds were returned based on my signature. 
I filed a police report with the XXXX County Sheriff 's Office. 

It has been 11 months and WF has repeatedly denied my requests for further information to file restraining orders against the individual. 
I have been told that since I was reimbursed by the FDIC I am no longer a victim. WF is the victim because they assumed the debt. Another letter, claimed that WF is too busy to verify every persons ID that presents a check to a teller.

I have moved my accounts from WF. The WF service representatives in Nc have told me the branch in XXXX violated standard operating procedure and there is no way that that amount of cash should have been dispursed without a managers signature. 

My current bankers feels that it was an inside job involving at least 3 people ... the fraudster, the teller and a manager. I have been unable to find an indication that this crime was ever investigated. I have filed an official complaint with the OCC, FBI and the XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2919 a fraudulent application was submitted for a XX/XX/XXXX-XX/XX/XXXX XXXX store credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the XXXX XXXX XXXX in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the XXXX XXXX XXXX, and I was informed it would be removed in an additional 45-days. 

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2019-08-11 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: GA

Complaint narrative:
On XX/XX/2919a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed byXX/XX/2019 another 45-days.

OnXX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2919 a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019.

Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days.

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX/ XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, Transunion & XXXX ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: OH

Complaint narrative:
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX XXXX to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XX/XX/19 at XXXX XXXX I received a call from a company claiming to represent XXXX XXXXXXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +XXXX  ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: Collins Asset Group, LLC
State: FL

Complaint narrative:
The collision asset account is not mines I have no knowledge of this account seems to be a fraudulent charge added to my account and I have disputed this with XXXX and it was removed but it is still showing on my experian account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: OR

Complaint narrative:
Equifax is reporting erroneous information on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.

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 2019-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
A collection agency under the name " Southern Management Systems '' has reported a " past due '' debt of {$730.00} on my credit report. I received no written notice that they were placing a debt on my credit report and I do not have any unpaid debts with this company as I have never done business with them. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP
State: AL

Complaint narrative:
On XX/XX/19 at XXXX XXXX  I received a call from a company claiming to represent XXXX XXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +1 ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.

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