vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/2014 XXXX Was not aware of the account

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 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I sent money to my step son in XXXX through Paypal.com. They changed the email address and sent it to the wrong person. I sent it to XXXX. Their system changed it to this address XXXX. I contacted them within 30 minutes of transaction. They told me it could not be changed. I cancelled a transaction the day before with no issues. I have emailed this recipient but no feedback. I have filed a report with my bank also. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXX Payment sent to : XXXX Payment amount : ( in currency funded ) - {$170.00} USD Your fees : - {$8.00} USD Your total charge : - {$180.00} USD Payment amount : - {$170.00} USD XXXX XXXX 's fees : {$0.00} USD XXXX XXXX receives : {$170.00} USD Date : XX/XX/2018 Time : XXXX CDT Status : Completed Funds will be available to your recipient on or before : XX/XX/2018 Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$170.00} USD to XXXX XXXX with PayPal Funding Type : Credit Card Funding Source : {$180.00} USD XXXX Debit Card XXXX This transaction will appear on your bill as " PAYPAL XXXX ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Dear CFPB, These two mortgage companies reported false information on my credit reports. 
XXXXXXXX XXXX and SPECIALIZED LOAN SERVICES. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX  from my report but not SPECIALIZED LOAN SERVICES. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

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 2018-07-09 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:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, WA XXXX 1. XXXX XXXXXXXX Account No. XXXX 2. XXXX XXXX XXXX Account No. XXXXpartial 3. XXXX Account No. XXXX 4. XXXX XXXX Account No. XXXX 5. XXXX XXXX Account No. XXXX 6. XXXX XXXX Account No. XXXXpartial 7. XXXX XXXX Account No. XXXX 8. XXXX XXXX XXXX XXXX Account No. XXXX 9. XXXX XXXX Account No. XXXX 10. XXXX Account No. XXXX 11. XXXX Account No. XXXX 12. XXXX Account No. XXXX 13. XXXX Accoutn No. XXXXpartial 14. XXXX XXXX XXXX Account No.XXXXpartial To Whom It May Concern : I have requested the above creditors to be deleted from credit report being that these accounts are unverifiable accounts. I am at the point now where I am tired of reaching out to these creditors in efforts to resolve these unverifiable accounts. I feel that as a consumer my rights have been completely ignored due to the fact that I have not had any success in getting any of these accounts delete from my credit report since they have not been validated. I have not only requested for the debts to be validated but I have requested for the creditors to provide method of verification. However, I have been sent numerous of billing statement and yet have received any information with a signed contract with my signature between me and the creditors. As you are aware of that under the Debt collection Practices Act ( FDCPA ), I have the right to request validation of these debts that the companies are saying that I owe. I dont understand what is so hard about the creditors sending me proof that I am indeed the party that they are requesting to pay a debt, whereas they is some contractual obligation that is binding me to pay these debts. 
I have been refused employed due to these items reporting on my credit report. I dont feel that this is fair because this information is not accurate reporting on my credit report and should be completely deleted. Although I have made several attempts to try to resolved these accounts. I have been force under the impressions that if I dont make some type of arrangements on the accounts, I would be sued by the company and my bank account would be garnished. Therefore, in an attempt to resolve these accounts I have been force to make minimal monthly payments due to the fact that they are stating that these accounts are indeed mines. However, I am not agreeing that any of these accounts are mines because I have no knowledge of the above accounts. 
The company is reporting inaccurate information on my credit report that is very unfair, and violate my rights as an consumer.

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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: NH

Complaint narrative:
In response to an ad for a free initial evaluation and XXXX, I went to XXXX XXXX on or about XX/XX/17. I received the initial evaluation and XXXX were taken. At several times during my visit, I asked to confirm that what they were doing was free of charge and was told every time that the initial evaluation and XXXX were free. I was then given an estimate for dental work needed. Since I could not get financing for {$7500.00}, no further appointments were scheduled. 
When I received an invoice from XXXX XXXX, I responded with a dispute letter and explained what I noted above. I received another invoice from XXXX XXXX. I called their office and was told that was my deductible. They did not care that it was advertised as a FREE initial evaluation. I have called, left messages and written letters. I have received no response from XXXX XXXX. 
I then started receiving invoices from Computer Credit Inc. I responded to the first one with a dispute letter stating again that I was told the evaluation was supposed tone FREE. I have since received three more invoices from Computer Credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My bank account has been compromised three times by fraudulent XXXX charges. I have had to get a new debit card three times due to the charges. 
XXXX had my Wells Fargo debit card as a form of payment until XX/XX/XXXX. I changed to an XXXX XXXX as my form of payment because I thought it would be a better option. 
On XX/XX/XXXX I got a fraudulent charge of {$13.00} on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX I reported this immediately and was told I had to get a new debit card. I was credited the {$13.00} on XX/XX/XXXX. 
On XX/XX/XXXX I got another fraudulent charge of {$12.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   Once again I called Wells Fargo and was told I had to get a new debit card. 
On XX/XX/XXXX I got a third fraudulent charge of {$14.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : PURCHASE XXXX   XXXX I called Wells Fargo on XXXX and was told I had to get another card. 

After being fed up with this recurring problem I spent all day on the phone with various parties : 1 ) Wells Fargo - spoke to 3 different people escalating the issue to supervisors. Was told that I needed to contact the merchant and have them opt me out of their Visa Account Updater. 
2 ) XXXX - called XXXX and they had to XXXX what Visa Account Updater was. Gave me VISA 's number and told me it was their responsibility to opt me out as XXXX had no power to opt me out. 
3 ) VISA - called Visa and was told that is was Wells Fargo 's responsibility and they were the only ones who had the authority to control my Visa Account Updater.

4 ) was transferred from VISA back to Wells Fargo and had to start over again at the entry level caller and had to escalate to another supervisor. This supervisor told me that the  merchant XXXX was the one responsible. She even told me that she had the same experience and that XXXX holds on to all credit cards even after they are deactivated and they have the control over the Visa Account Updater and opting out. 
5 ) XXXX - called XXXX back and had to escalate my complaint to a supervisor level. Was told that she had the same problem with Wells Fargo and had to get a new Wells Fargo account because once you have a debit card attached to an account the credit card gets followed around by a merchant such as 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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XX/XX/2018 XXXX Unknown never had an account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sold my home. The attorney deposited my proceeds into my bank account at Wells Fargo on XX/XX/2018. Today is XX/XX/2018 and my funds are still not available. I contacted Wells Fargo last Thursday XX/XX/2018 regarding the hold they placed on my funds. I was told the hold would be withdrawn and the funds would be available in a day. When the funds did not become available, I contacted the bank again. 

I am now told it will be tomorrow XX/XX/2018. While I understand a hold on a large deposit, I feel from XX/XX/XXXX until XX/XX/XXXX is beyond reasonable. The money deposited was from an attorney who distributed the money at my home closing. I am purchasing a home and need the funds. Hopefully, the money will be in my account tomorrow - XX/XX/XXXX - but I would appreciate someone looking into this matter. I have been a long time very good customer of Wells Fargo and I do not appreciate what feels like their denial of my money. 

Thank you.

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 2018-07-09 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: NY

Complaint narrative:
I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are all on equifax. 

And On XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
Good afternoon, back in XX/XX/2013, both my husband and I enrolled in a debt solution program with XXXX XXXX and global client solutions. our debt totaled XXXX together of which XXXX was my debt at the time. I was advised to let all my accounts go into collections so that we could make a better deal. I submitted copies of our drivers license, social securities for both of us as well as all statements from all our creditors and our banking information. The calls from angry collectors began coming in at all hours of the day. I set up a monthly withdrawal to global client solutions from our checking account. Things didn't seem to be progressing even after making the monthly payments and after months a stop payment had to be put into place. There was no turning back credit wise, because the damage was done and it now included late fees and ridiculously high balances. Last summer I came across an email from cfbp that a settlement would be issued to clients affected by the debt settlement. my husband was included in the small settlement and after much sacrifice is still to this day trying to pay off that debt. I however, received nothing. My debt sits untouched, and tarnished even after all theses years. I called the company in charge of the settlement several times last year and they said all they could do is create a profile for me and see what happens. Sadly nothing has happened. I contacted XXXX XXXX XXXX and they stated that they have purged all old documents and that staff has been completely changed. I am at a complete loss as to what to do. Many places of employment require credit checks and obviously it is something I cant yet overcome. This issue has caused me a great deal of stress and anxiety. I hope that I can get help to resolve this issue that has dragged on for way too long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Revenue Management, Inc.
State: CA

Complaint narrative:
This debt was resolved in a bankruptcy filed XX/XX/2017 and remains in collections on my credit report. I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Loan Number XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I called Navient several times to fix what is reported on my XXXX and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with Navient however, this is not reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
my card was stolen and my son who is on duty was overseas there claiming this signature which is just a line is mind or my families which is not this is not our signature nor is it my sons or my daughter who live in my house but where over seas at the time and there is proof penfed made this decision illegal knowing its fraud and are violating my rights under the FCBA they need to be investigated as this is a routine matter they deny legitimate fraud claims the XXXX police report number is for the fraud is XXXX phone 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 2018-07-10 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: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
I filed multiple complaints about ford kotor credit and how they are reporting on my credit. I filed an original chapter XXXX inXX/XX/XXXX, it was voluntarily dismissed in XX/XX/XXXX, refiled in XX/XX/XXXX and then dismissed but refiled in XX/XX/XXXX which is still open. The vehicle they are reporting derogatory and as a charge off was i cluded in this ch. XXXX bk. They are refusing to remove the atatus as charge off and continue to report derogatory late payments to my credit monthly. I filed a dispute on XX/XX/XXXX to have this be ipdated to reflect it NOT being charged off and having it reflect the wage earner plan reporting to be apart of my ch. XXXX bk. They only removed the amount owing ( XXXX ) since we surrendered the vehicle and show it as a charge off with original amount of XXXX and charge off amount of XXXX i do not find this fair that if it is included IN MY BANKRUPTCY AS A WAGE PAYMENT PLAN THAT THEY BE ALLOWED TO REPORT IT AS A CHARGE OFF ON MY CREDIT AND HAVE IT NOT TIED AS A RECORD TO MY BANKRUPTCY. They are reporting FALSE information and having it be inaccurate as they mark derogatory payments monthly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Those are all on XXXX. 

And On Transunion is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x 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 2018-07-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2018, I received a denial of credit letter from XXXX XXXX. The reason for the denial was listed as : '' we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' Equifax was the credit bureau listed. I then pulled a copy of my report which showed, " Fraud Victim " Extended Alert '' & File Blocked For Promotional PurposesAlert Contacts 1 Records Found. '' Next I called Equifax to get this removed, answered dozens of questions, and was told it would be removed shortly. On XX/XX/2018, Equifax emailed me that my " dispute had been completed. '' When I clicked the link and entered my information, it says it doesn't match and they can not display my results. I have called seven ( 7 ) times to various phone numbers for Equifax, and been hung on four ( 4 ) times! I finally spoke to " XXXX '' ( spoke with a nearly unintelligible foreign accent ) ( XXXX ) who told me the fraud alert was removed last XXXX, which I know is a lie, since it showed up on the report I pulled on XX/XX/2018. I told him that since this involves a denial of credit the FCRA requires them to provide me a free copy of my report and to resubmit my credit file to anyone who has requested it in the past 6 months, but he refused to comply! 

So, as it stands, I can't access my credit file and neither can my creditors, and Equifax won't do anything to help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is my loan servicer Navient always got me to postpone payments through forbearance, an option in which interest continues to accrue, rather than enroll in an income-driven repayment plan that would avoid fees, Consumer advocates say loan servicers steer borrowers toward forbearance because it requires substantially less paperwork than enrolling them in low-cost plans that peg monthly payments to a percentage of income. My Students loans are more then half fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.

Company response to consumer: Closed with explanation