vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have consolidated direct federal loans with Fedloans. I have been working in non profit organizations, and plan to apply for PSLF. 

I have made almost five and half years of qualified payments, but Fedloans has only counted a handful towards this. I have called them several times, and they reassure that all my paperwork are there and are correct, however, have not updated a correct count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2019-10-21 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: Rocket Mortgage, LLC
State: IN

Complaint narrative:
XX/XX/19 I spoke to Quicken Loans ( 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ). Out of the three representatives, one asked for my social security number but stated that they wouldn't be pulling my credit report. At the beginning of the phone call with XXXX XXXX, I clearly explained to him that I wasn't yet able to apply for the XXXX XXXX Enhanced Refinace Relief Program. But, when we were discussing estimate figures, he stated we wanted to look at a " recent '' credit report and asked for my social security number. I was led to believe that he had access to view my credit report as such as a soft inquiry ( promotional, account review, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: WI

Complaint narrative:
Open an online dispute with the company notifying them I am not the owner of this account. I am a victim of identity thief, which as a result causes me to have to receive a letter each year from the IRS with a pin to include with my tax return. The company have not provided me any information on this debt except a billing statement. I have repeatedly told the company this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I use Wells Fargo for merchant services ( credit card processing ) I own a small business that was recently scammed by a customer  using stolen credit cards. 
I reported this to wells fargo. They sent me letters showing chargebacks from the victims and removed all funds available in our business accounts and my personal checking account. 
Next they froze our merchant account that receives our credit card charges. They refuse to unfreeze the account but still allow us to run credit card charges to it. Thus our customers are paying their bills each day to a frozen wells fargo account. They have now withheld more than the total amount of the suspected fraud charges. 
I have been told that only the security department at wells fargo can unfreeze the account but when myself or other wells fargo customer service agents call that department, the call goes to voice mail and the mail box is full. 
My company is going to run out of cash to pay employees and bills. We are going to close. But the only department that can apparently help unfreeze my account is unreachable. 
Also, establishing a new credit card processing relationship can take up to a week and does not leave us time to pay the employees or vendors. 

Please help save our jobs thanks 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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My cash does not appear on my card after I placed XXXX dollars on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 I purchased 7 pairs of high top mens basketball shoes from XXXX  for {$280.00} with guarenteed expedited shipping of {$170.00} ; the total was {$460.00}. The expedited shipping was 7 days guaranteed. I received six of the seven shoes a total of 8 business days after the date of purchase. The tracking number was XXXX XXXX the delivery was not received until the XXXX. Six of the seven pairs of shoes were delivered. Of the six shoes that were delivered all of them had irreversible damage due to the shoes and the shoe boxes being in a shipping container that was 14 inches by 6 inches by 8 inches ; the shoes were jammed into the box. The shoes had deep scratches in the material, were bent and concave and pieces fell off during shipment. I contacted the seller XXXX multiple times from XX/XX/XXXX until XX/XX/XXXX. I spoke to the merchant and their customer service representatives. They were unwilling to reimburse me for the late shipping and damaged / missing goods then stopped responding. I then turned to Wells Fargo, my bank which I purchased the items on via a Visa credit transaction ( note, the items were not purchased on credit ). This was in mid XXXX. When filing the claim for reimbursement the bank offered no options other than text. There was no effort to collect pictures or documents from me. In late XXXX Wells Fargo responded that they will not reimburse me for the charge because the charge was authorized by me and there was no evidence that I did not intentionally make the purchase ( which is not what I filed the claim for ). I then tried to go to the XXXX in late XXXX. I received a response today XX/XX/XXXX, Wells Fargo continues to deny my claim for the goods and services claiming " Our Claims Assistance Center reviewed the information provided and found the transaction was authorized and that a processing error did not occur. Therefore, the claim was closed. '' I rejected the claim stating the claim was in reference to damaged goods and unfulfilled service and not for an unauthorized transaction via XXXX  and am awaiting Wells Fargo 's response. I also called Wells Fargo 's claim department number noted in their response. The person I spoke to said my claim was still open and has never been assigned to an individual and asked me to call back in 48 hours. This is unacceptable. By law Wells Fargo is liable for these credit charges and should therefor reimburse me for the damaged goods and unfulfilled service which totals {$460.00}. I am attaching pictures of the damaged goods as well as the response from Wells Fargo.

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 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
State Collection Service was contacted by me on XX/XX/2019, regarding a {$1000.00} medical bill from XXXX XXXX. I explained the circumstances regarding the bill. I provided them with all necessary information and documentation to have the debt paid. I have requested this debt be removed from my credit reports. It has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency. 
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: LEXISNEXIS
State: VA

Complaint narrative:
Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have  reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there  were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX  On my XXXX XXXX   credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX  IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: IL

Complaint narrative:
I have a host of inquiries that are not mine.

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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on 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 2019-10-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted a dispute to public records on my credit report XX/XX/XXXX & XX/XX/XXXX and they came back as accurate. I submitted a request for verification dated XX/XX/XXXX, mailed on XX/XX/XXXX, received by experian on XX/XX/XXXX, stamped by unknown name at XXXX XXXX  XXXX XXXX, Tx certified XXXX XXXX XXXX XXXX XXXX. I received no response related to my request for verification Method. Experian failed to follow procedures set up by FCRA guidlines. I sent a follow up letter on XX/XX/XXXX. XXXX giving them until XX/XX/XXXX to comply. As of todays date XX/XX/XXXX, I have received no response. I am enclosing a letter from the United States XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Wi XXXX, who is the holder of records for Bankruptcies see letter dated XX/XX/XXXX signed by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stating, " the court does not place information on credit reports. '' Experian claims the public records were obtained from XXXX XXXX XXXX. I contacted XXXX who claims they have no record of a bankruptcy in file for me. See page XXXX of credit report dated XX/XX/XXXX # XXXX. See credit report dated XX/XX/XXXX, report # XXXX, clearly shows XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX & XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX. This clearly incorrect because the address listed is XXXX XXXX XXXX which doesn't cover public records for Bankruptcies which are XXXX. So how can they verify by reporting erroneous information with the wrong court. Experian report # XXXX, dated XX/XX/XXXX also clearly displays the same wrong information, including a spelling error of my name. My name is XXXX not XXXX, That report XXXX shows tenanative completion by XX/XX/XXXX, which has come and gone. This credit bureau continues to verify invalid information and reports invalid information on my credit report in violation of the guidelines provided by FCRA. I wish to have this company held accountable for their actions.

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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Cain & Weiner is reporting a debt on my XXXX credit report that does not belong to me. The file number is XXXX, originally belonging to XXXX Rental Car. I'v contacted Caine & Weiner several times letting them know the debt is not mine and requested removal. They even verified information over the phone to prove it doesn't belong to me ( they admitted as well ) but blamed it on XXXX. I have disputed the debt twice via XXXX, nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: IL

Complaint narrative:
I have a host of inquiries that are not mine.

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a text from Capital One that I tried to make a purchase from my debit card at XXXX, but I was never making any transaction from there. I had to check my Capital One account, and I found that money was taken away from my Checking account without my knowledge and consent. I found that there were two purchases that were made on my account, but I never purchased anything. The transactions occurred on XX/XX/XXXX with the first purchase was done at XXXX am that took {$8.00} away and the second transaction that occurred at XXXX am took away {$400.00} from my account. I called Capital One to discuss this issue and I told the company that I never made those purchases, but I would have to wait XXXX hours from the day those purchases were made to call the Dispute Department and report the problem, and I'm not sure if they refer to actual days or business days. For now, Capital One has restricted access to my debit card to prevent anymore unauthorized purchases and I should get a new replacement debit card in the mail by next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

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