vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the 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 2017-10-26 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:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 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: TX

Complaint narrative:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

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 2017-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I HAVE CONTACTED THE ORIGINAL CREDIT AND THE COLLECTION AGENCY FOR PROOF OF SERVICE FOR THIS MEDICAL BILL. I WAS PROMISED TO HAVE IT RESEARCHED AND TO RECEIVE IT VIA MAIL. NO ONE CAN TELL ME WHAT THE BILL IS FOR, WHEN SERVICES WERE PROVIDED, AND WHO WAS THE PHYSICIAN. I AM ASSUMING THE RECORDS DO NOT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give them.

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 2017-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am in the process of sunsetting my XXXX XXXX bank account. This included designating a new preferred bank account with Paypal. However, my XXXX account was still used with the most recent payments to XXXX and XXXX, causing my XXXX checking account to overdraft XXXX and costing me overdraft fees ( {$25.00} x XXXX ). The 'preferred ' designation appears to have no bearing as to which account Paypal XXXX to charge. 

The Paypal email message center only has a finite amount of categorized customer service actions. I wrote them with my issue only to have an unrelated canned response sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: MIDFIRST BANK
State: GA

Complaint narrative:
After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by XXXX mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that XXXX had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to 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 explanation
Consumer complaint received 2017-10-26 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: WA

Complaint narrative:
TransUnion has several accounts that do not belong to me and inaccurate I have tried to dispute these with no outcome XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX - Nothing owed and past due remove inaccurate

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 2017-10-26 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: TX

Complaint narrative:
Transunion is using the term investigate but fail to provide their procedures of investigation. You clearly stated that you open up a dispute and give the reporter/creditor a chance to respond with the same information that was submitted initially to put the debt on my credit is NOT an investigation. I requested and affidavit by a representative of the court, for you TRANSUNION to provide the investigation report that was used to validate the debt that is staying on the credit report since you are the liable reporter/gatekeeper. Again, please state what information is requested from the creditor to validate the debt for you to classify and use the word investigation. Do we need to handle this in XXXX court?

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 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
well a company is trying to say i owe them a balance of XXXX from past due rent and property damage but they fail to provide evidence of the damages its just word of mouth

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to  provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
my bank XXXX payment to XXXX card an unauthorized amount of XXXX let them know on XX/XX/XXXX of the problem and they informed me that they could not do anything until the check did not enter and they told me to come back when they charged it and when I returned on XXXX the day they charged I was told in very bad way that they could not do anything, then the supervisor agreed to fill out papers to make the claim to the XXXX then I returned and they told me that the paper they filled was not correct and they filled another and today we are on XX/XX/XXXX and XXXX do not inform me anything. Please I need your help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. 

After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party. 
They have no right calling me looking for her and revealing that they are trying to collect a debt from her. 
This is a disgusting business practice and a violation of her privacy. 
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy. 
My phone number is also on the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: FL

Complaint narrative:
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 2017-10-26 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: FL

Complaint narrative:
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 2017-10-26 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: AFNI INC.
State: NC

Complaint narrative:
The balance for equipment was paid and shows on my credit report as closed but it is still active

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: WA

Complaint narrative:
There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake

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 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
Trying to reach discover credit card services showing i was denied credit due to delinquent accounts not the case no delinquent accounts on any of my credit files all 3 .very upsetting to receive mis information saying for denial of credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX. 
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.

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 2017-10-26 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: U.S. BANCORP
State: GA

Complaint narrative:
I requested to have this secured credit card account closed back in XXXX of XXXX. According to U.S Bank XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
I was contacted by a debt collector on my personal phone while at work. He was attempting to collect a debt as a third party. I told him over the phone that this debt has been in dispute for some time now. He asked me if I wanted to resolve this voluntarily and if i did not that this would go on my credit. I have submitted an email to the company and have submitted in formal writing that I am disputing the debt entirely. Furthermore I was never advised of the debt transfer to a third party from the original party who was involved. I was completely blindside by a collections call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: MO

Complaint narrative:
I paid my mortgage payment into Associated Bank during working hours within 30 days. They accepted payment within 30 days, however administratively, posted the payments XXXX day and reported me late to the XXXX agencies. These payments I am referring to are for the months XXXX and XXXX XXXX. 

I believe they violated Regulation Z and X. 

Regulation Z for Mortgage Loan payments states : RULES FOR MORTGAGE LOANS Crediting Payments as of the Date of Receipt Section XXXX ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. However, this does not mean that servicers must physically post a payment on the date received, provided the consumer is not penalized by the delay in posting. In other words, a servicer can have a delay between the time it receives a payment and posts it to the consumer 's account, as long as the payment reflects the date of receipt when it is credited. The distinction is important because it may not be operationally feasible for a servicer to post a payment on the date it is received. Comment XXXX ( c ) ( 1 ) ( i ) -1 of the Official Staff Commentary ( OSC ) for Regulation Z clarifies this point : A servicer that receives a payment on or before its due date ( or within any grace period ), and does not enter the payment on its books or in its system until after the payment 's due date ( or expiration of any grace period ), does not violate this rule as long as the entry does not result in the imposition of a late charge, additional interest, or similar penalty to the consumer, or in the reporting of negative information to a consumer reporting agency XXXX emphasis added ).

Company response to consumer: Closed with explanation