vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo allowed an illegal/unauthorized transaction to occur ; the bank allowed my ex-spouse to deposit/cash a two-payee check from the US Treasury, which was a refund for overpayment which I made from income that I generated. As a consequence, I never received so much as XXXX cent from the check. This check was illegally cashed in XX/XX/XXXX. Wells Fargo never notified me, reconciled, or caught this transaction and they have not responded to my communication at all. 

I went to a NJ Wells Fargo branch on XX/XX/XXXX, reported the transaction, gave them a copy of the unsigned check ( which I obtained from the IRS ), and filed a complaint. I was told that I would hear from the back within 3 to 10 days. I never heard from the back. I then called the branch back on XX/XX/XXXX, and told the branch manager that I never heard from Wells Fargo ; he apologized and stated that he called the division which investigates such matters, but that the division stated that they had " a lot of work '' and should be reaching out to me within 2 days.

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 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I do not owe this debt due to I do not have a binding contract with this company bearing my signature

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 2020-03-09 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: SC

Complaint narrative:
Inaccurate information on 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 2020-03-09 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: MS

Complaint narrative:
Inaccurate information on 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 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
someone opened MACYs credit card under my name ; that person charged {$1700.00} on XXXX XXXX. 
i sent letter to Macys. I received letter from Macys on XX/XX/2020 -- stating they received my fraud claim, but they have not completed investigation yet.

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 2020-03-09 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: VA

Complaint narrative:
Inaccurate information on 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 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I had a loan modification with wellsfargo I went to court in city hall they put the 2 years I was behind on the back of my mortgage in XXXX I was 3 months behind on my mortgage again i made all my trail payments for 3 month so wellsfargo went back to my loan modification from XXXX and told them I was XXXX back on my mortgage after I had already settled my XXXX issue I was only behind 3 months so fha.paid the money and put XXXX lean on my property and I discuss this back and forth for 2 years then they switch my mortgage to XXXX XXXX XXXX XXXX wellsfargo has me in over XXXX In debt and after they paid XXXX XXXX they still didn't remove the balance

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 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). Our conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, ScottY file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. He also mentioned the Jacket is brand new with no wear and no issues. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: AES/PHEAA
State: MI

Complaint narrative:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are 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 2020-03-09 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: MI

Complaint narrative:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are 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 2020-03-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible

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 2020-03-09 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have opened a dispute in the past repeatedly about XXXX XXXX XXXX and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports for XX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and  hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times  over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : XXXX XXXX XXXX XXXX updated XX/XX/XXXX with no changes having occurred Company : SCA Collections updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.

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 2020-03-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible

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 2020-03-09 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: FL

Complaint narrative:
equifax, XXXX  and XXXX  has accounts on my credit report thats inaccurate/not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX  and experian has accounts on my credit report thats inaccurate/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 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian cease ALERT ALERT ALERT EXPERIAN IS GOING TO DELETE " 3 '' XXXX  XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN 2018!!!!!!!

ALERT CFPB EXPERIAN HAS NEVER REP
ORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION EXPERIAN .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... EXPERIAN YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! Experian you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT EXPERIANS MESS ... EXPERIAN CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX award from experian. I WANT DAMAGES EXPERIAN. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that Experian deleted three XXXX  XXXX XXXX accounts ending XXXX EXPERIAN I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX  XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN 2018 I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON EXPERIAN DISPUTE ATTACHED XXXX XXXX XXXX Do not delete experian you have never reported theses on my name no wonder I have identity theft. ALSO XXXX  AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES

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 2020-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Late payments on my account during a time i thought i had a forbearance XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
TRANSUNION HAS AN ACCOUNT XXXX XXXX  ON MY CREDIT REPORT THATS 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 2020-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I would like to remove the late payment from XX/XX/2019. I spoke to someone on the phone who was unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: AVANTE
State: FL

Complaint narrative:
XXXX  HAS AN ACCOUNT AVANTE USA ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have opened a dispute in the past repeatedly about Medical Data Systems and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports forXX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : Medical Data Systems Inc updated XX/XX/XXXX with no changes having occurred Company : XXXX XXXX  updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.

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 2020-03-09 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: AES/PHEAA
State: HI

Complaint narrative:
2 FedLoans were opened using my information as a co-signer. The loans were opened sometime in XX/XX/2020 and started showing up on my credit report in XX/XX/2020. I have filed a police report, and filed a dispute with all 3 major credit bureaus as well as FedLoans and the information has still not been removed.

Company response to consumer: Closed with explanation