vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have send letters to Experian on XX/XX/2017 to remove this bankruptcy that they claim its mine and also a XXXX account. Experian claims they have verified and say the accounts are mine. I send a letter certified to the XXXX XXXX XXXX XXXX XXXX that claim I have a bankruptcy with them. They responded with a letter stating that the United states Bankruptcy court for the XXXX XXXX XXXX XXXX does not report individual bankruptcy case filing data to credit reporting agencies, nor do the update information directly to the credit bureaus. I am attaching both letter for documentation on this. I also have contacted XXXX XXXX through a certified asking for verification on this account the claim I owe. They never responded. Its up to Experian to show me proof of the validation of the account. Its been 6 months and it is clearly a violation of Section 611 ( 5 ) ( A ) and show continue blatant disregard for Federal Law. I have asked them to give me the name of the person in there company who verified the accuracy of these accounts, but they ignored this request as well is another violation of Federal Law. I have asked them under Section 611 ( 5 ) ( A ) of the FCRA to promptly Delete all information which can not be verified. Experian claims that have a certified paperwork that the bankruptcy is mine. It is noted in the attachment I am sending you. I want to see the copy of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, 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 explanation
Consumer complaint received 2018-03-07 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: VA

Complaint narrative:
I have a bankruptcy on my credit report that does not belong to me that is linked to my name .... I have disputed this several times and it keeps coming back as verified.. I contacted bankruptcy dept and they said that they did not verify anything with TransUnion because they dont have a bankruptcy under my name and ssn .. I dont have any bankruptcy accounts on my credit report but have a bankruptcy which is letting TransUnion know I did not file bankruptcy ... Under FCRA protection for consumers.. I request TransUnion to send me method of verification ( a ) name of courthouse ( b ) the persons name they verified the dispute with ( c ) the address ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute ... And I need this deleted 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 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: NC

Complaint narrative:
On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I called on multiple occasions in order to obtain repayment assistance to no avail I was never provided informTion as to how the fees where being calculated norm was I provided information as to have the payment was being allocated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
In XX/XX/XXXX, I went Bankrupt and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XX/XX/XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XX/XX/XXXX. They stated I open the card up in my old name in XX/XX/XXXX! The company would not let me do that! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please note : this is a revised complaint, not a duplicate. Do not delete or close. The credit card company objected in their response to the original complaint that I permitted my spouse to view the correspondence. Chase deemed him an " unauthorized third party. '' While that is not true, I am amending the complaint to remove him from the notifications so that the investigation can proceed. 

Dear Sir or Madam : I am writing to report fraudulent credit card activity involving multiple charges to XXXX XXXX on two separate credit cards. This scam has been reported on the Internet since at least XX/XX/XXXX ( do a XXXX search for XXXX XXXX XXXX XXXX CA ). My concern is that this scam represents a major and ongoing fraudulent source of revenue to XXXX XXXX, and a continuing threat to consumers. On XX/XX/XXXX, the first fraudulent charge appeared in the amount of {$7.00} to XXXX XXXX XXXX XXXX CA on my XXXX XXXX XXXX , which was associated with my XXXX account. I disputed the charge with XXXX ; XXXX required that I close and reopen my account with a new card number. I opened a new Chase XXXX and associated it with my XXXX account, replacing the XXXX card. I am the only authorized user. In the first month, new fraudulent charges appeared in the amounts of {$22.00} on XX/XX/XXXX and {$12.00} on XX/XX/XXXX. Again, these charges were listed as XXXX XXXX XXXX XXXX CA. A further charge for {$12.00} appeared on XX/XX/XXXX. Upon contacting Chase for assistance, I had to close and reopen the Chase XXXX card. Be assured that I did NOT provide the latest credit card information to XXXX. When I contacted XXXX by email, I received a major run-around, consisting of multiple rounds of correspondence and escalation to a senior representative. XXXX would not send copies of the charges nor disclose to whom they pertained, citing privacy rules. XXXX did not volunteer the information that this scam is well-publicized and has been going on for years. The representative stated that the charges were incurred by someone in my household, which is impossible. I am the only user. I checked my own purchase history on the XXXX app. It showed only the normal recurring charge of {$0.00} per month for XXXX storage. How then was XXXX aware of the fraudulent charges? Ultimately, I was refunded for three charges of {$12.00} each. I am still waiting for a refund of {$22.00}. I checked my credit report online. There is no evidence to suggest identity theft. Again, I am concerned that untold amounts of money may be flowing to scammers via XXXX XXXX. The new generation that now uses its credit and debit cards for every trivial transaction will have a difficult time identifying fraud that involves a trusted vendor such as XXXX. Please investigate. I will furnish original emails between myself and XXXX, XXXX upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My daughter-in-law attempted to place a security freeze on my Experian credit bureau report on my behalf on XX/XX/2018. She  supplied them with the correct information, yet they sent a message stating they would not place the security freeze on the bureau unless I sent them a letter in the mail. Plus, they are requiring two pieces of identifying information : a utility bill and a state id. 

These items are going to be difficult for me to provide, because I am currently under XXXX care for end stage XXXX XXXX. I recently lost my wallet, which would have had my state id in it and possibly my social security card. My daughter-in-law provided all the correct information, and it doesn't make any sense that the request was denied. Finally, Experian ran the charge through her credit card twice, a total of {$10.00} ( {$5.00} each time it was run ). So to charge the card and then deny the request doesn't make sense either. 

Finally, XXXX had no problem placing the freeze. Same for XXXX. In addition, XXXX didn't charge for the freeze, which leads me to believe my personal information must have been compromised during their security breach. If this is accurate, I would be an identity theft victim, and Experian and XXXX should not be charging the {$5.00} to place a freeze on my credit bureau ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX XXXX # XXXX. My Wells Fargo Mortgage loan # is XXXX. It was assigned to XXXX XXXX XXXX at XXXX ext XXXX on XX/XX/XXXX. I have made several attempts to get in contact with her regarding my investigation. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been unsuccessful in reaching her. I also spoke with XXXX XXXX 's at ext XXXX who sent a message to XXXX XXXX and her supervisor regarding the lack of responsiveness from XXXX on XX/XX/XXXX. In addition, I have been trying to work with the loan re-entry team since XX/XX/XXXX, however, I have faxed over every document that has been requested of me multiple times and am repeatedly told to fax over something different or that they didn't receive it. I have copies of all of my confirmation pages and have even gone into the Wells Fargo on XXXX in XXXX XXXX and had them fax the documents over to fax # XXXX and I include my loan number on all documents being sent. Back in XX/XX/XXXX Wells Fargo required me to pay them the sum of a little over {$13000.00} in which I borrowed from my dad. I repeatedly requested copies of my mortgage statements from them to show that my payments were current, but to date have still not received copies of the requested statements on my mortgage, nor have I received the ones requested on my checking or savings account that I had to close out due to fraud by one of Wells Fargo 's employee. The loan re-entry team has had several months to get my loan re-instate, but continues to give me the run around. 

With the sale date up and coming quickly, set for XX/XX/XXXX I fear losing my house due to the negligence of XXXX XXXX XXXX department. They again served me with documents taped to my home today for the Law firm of XXXX XXXX   XXXX at XXXX on XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that my foreclosure had been placed on hold, but as of today on XX/XX/XXXX I was served again with foreclosure documents. The mortgage department of Wells Fargo has been very uncooperative in getting me approved in the home preservation department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( Transunion & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, 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 explanation
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear Sir/Madam the reason for this compliant is because i have been a victim of Identity Theft and i have inform the original creditor as well as the collection agency about these accounts i have send them Police report FTC Identity Theft Affidavit proof of my address and identity and they have refuse to cooperate with me and they continue to report these account on my credit file. I have asked for proof that these accounts belong to me, but they keep sending nothing more then bill. I also contacted the CRA and they keep saying that these accounts where verified but when i request any proof they can't produce anything that show that they belong to me. I have done everything i could possibly do to protect my good name and have been unsuccessful. Please help. 
XX/XX/2018 Letter send by the original Creditor XXXX and XXXX Thanks

Company response to consumer: Closed with explanation