vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX my sister went to XXXX XXXX mall after we went out for lunch around XXXX I had my shopyourway mastercard in my pocket when I went to the mall but when I shopped at sears I realized it was gone so i figure and the card could be in my shopping bag when or slipped out so sear was able to let me use my card with my SSI and Id card so I after I was done I went to back track to see if I left it in a store but no one claim to have it so I received a notification on my phone that it was a fruadlent charges being made on my card someone went to XXXX XXXX  and tried to spend {$690.00} and they also went to XXXX and actually spent {$71.00} and that'a store I can't wear anything in im plus size woman and XXXX these were KIDS look at these charges XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00}, XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX {$7.00} XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX IL XXXX {$71.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX {$6.00} XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00} XX/XX/XXXXXXXX, XXXX XXXX  XXXX {$29.00} XX/XX/XXXXXXXX XXXX  - XXXX XXXX  XXXX XXXX IL XXXX {$4.00} XX/XX/XXXXXXXX 'S XXXX  XXXX XXXX IL XXXX {$6.00} And they were dismissive and rude towards me I have reached out twice and they are still accusing me of this crime and I refuse to pay for someone elses crime espeacially during this covid 19 pandemic.

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 2020-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX is the power of attorney too XXXX  XXXX XXXX aka XXXX XXXX XXXX, companies. I am a beneficiary owner heir too this. Company request a copy of all beneficiary XXXX  information too this company from the old owner too me as the new owner, XXXX XXXX. Cpa accounting too what yall are doing with my .money as well .on the personal side of this company. And if i own XXXX XXXX  too same thing needed. A. Copy of operational agreement. XXXX. The cpmpany agent has this information. The public side want see it .the private side can only see this. ..if yall refuse too give me this information. Get ready for law suit and jail for abuse me..XXXX XXXX XXXX   .been deceased sense 1999 .and yall have fail too give me all legal paper too his estate .and cpa accounting. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Business address XXXX XXXX XXXX XXXX ga XXXX. Also i am ask for a 3rd party form too sign .on the behalf of my self too wellsfargo too give yall permission too get this information from XXXX XXXX Or XXXX XXXX XXXX. Too .also .this message is too wellsfargo and company too .i need all information as a beneficiary aka XXXX too all this information i am asking. I am seeking. Not a account. I am seeking ownership paper too all the businesses in this text.

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 2020-05-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2020 I sent a letter to Experian stating that my HIPPA rights had been violated. I asked for debt validation letters from XXXX XXXX. What they sent, astounded me. There were medical procedure codes and diagnosis listed in the verification without any type of signed HIPPA release for. This is a blatant violation. I asked them to investigate the matter. They never even responded to me. Attached, you will find the letter and supporting documents I submitted to them. I also attached a copy of the certified mail tracking number. If this matter is not resolved I intend on filing suit.

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 2020-05-04 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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: AL

Complaint narrative:
XXXX XXXX {$200.00} was paid by chaper XXXX and it has been placed on my report several times. 

XXXX XXXX- account belongs to XXXX XXXX I wrote to have my name removed from this account due to it was added without my permission. 


XXXX XXXX is not my account. 

XXXX XXXX refused payments due to I wouldn't renew my loan. 

XXXX XXXX is not my account XXXX XXXX supposed to fixed the merchandise and never did. I spoken with the manager at the location. Also advise them to come get it back.

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 2020-05-04 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX. EST My wife and was contacted by an unspecified representative of F.H. Cann and Associates. The representative mentioned the debt was from an unspecified student loan that I listed my spouse as a person to contact. The representative also mentioned that they could provide more information if she gave personal information about me to them. 

Any student loan I have was acquired years prior to meeting my wife and I have had no communication with any company where I either provided her information nor listed her as a contact. This information was false and misleading to gain personal information about me. This is in direct violation of FTC rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I told them they broke the law my giving my personal information about my debt to another individual and we could settle this out of court. They are sueing me for the debt, I filled a counter suite and have an upcoming court date, but collection calls still contine 2-3 calls a day. I have call records, documentations and documents> LVNV funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: IL

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I have contacted NetSpend several times beginning XX/XX/ 2020. I was not able to get through to any reps for 26 days, on the day I was able to get through I was repeatedly placed on hold for hour long increments. My stimulus payment was direct deposited to an old NetSpend account I no longer use. I have been trying to get NetSpend to merge the old account with the new account I opened with them in order to access my funds. I have not received any help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I visited the emergency room in XX/XX/2019. After that visit for months I received multiple bills for multiple services related to that visit and it was hard to keep track plus I was still mentally reeling from my medical issue. Unfortunately, I discovered that one of the bills went into collection : Transworld Systems Inc. I thought it was paid but received no documentation. I called the collection company ( Transworld Systems Inc ) who promised that if I just paid it there would be no adverse effect. However, I discovered months after the debt was satisfied that they still placed a negative account on my credit report. This is uncalled for after I was assured that my payment would satisfy any issues. When I called to ask that they remove it, they just said they would state that it is paid, which is still unacceptable. Additionally they offered me credit repair services to build my credit back up. This is totally a scam. I know that collection agencies do not have to report anything to credit bureaus, but they totally did as probably some lame attempt to drum up money for credit repair. I have only had one collection in my entire life and it happened at the worst possible time as I am trying to obtain a new mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a dispute with a seller about a transaction which I initiated through Paypal and then initiated a chargeback through XXXX. This was done on XXXX, XXXX. Fast forward today, paypal claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from paypal or visa either. In addition, XXXX claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and Paypal and XXXX does not have them. I tried to speak with Visa before and they told me to speak to XXXX, who again, is telling me they can't contact Visa. 

When contacting Paypal they are incredibly unhelpful. For example they are sending me messages ( even meant for the seller ) saying that the transaction has no seller protection ( even though the Buyer ) In summary - The buyer ( me ) doesn't have the funds. The seller ( siegestudios ) doesn't have the funds. Paypal claims they don't have the funds and sent the money to chase. 
XXXX claims they don't have the funds. Paypal is telling me to contact XXXX because the case is closed. XXXX is telling me to contact paypal because the case is closed. 

Where is the money???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXX did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.

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 2020-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: DE

Complaint narrative:
Roundpoint mortgage servicing company. Took.unathourized double payment for the month of XX/XX/ 2020. I was told by a supervisor that they put my money in principle payment which they then claim their system does not allow for reverse charges. This was quoted in presence of XXXX XXXX employees. The total amount taken from me is XXXX. I absolutely did not give permission and they have not sent me confirmation of what they did with my money ...

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 2020-05-04 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Wilber Law Firm, P.C.
State: IL

Complaint narrative:
This company has continued to call ke after I told them not to. They are calling looking for my husband XXXX XXXX XXXX.i gave him messeage first time and told them not to call me and remove my number. They have called me twice now XX/XX/29 and XXXX. 

On XX/XX/29 I again told them they were not to call the women stated she was a lawyer and that I diddnt have to answer phone. I said I knew who they were and we are in a spousal restriction state so you can not speak to me and you can not reach him on my cell phone. She became rude and told me she could call I told her remove my number and not call. 

On XXXX she called again and said she was going speak to me and she would continue to call till XXXX called her I finally hung up. She was absolutely rude and I feel threatened that I can not stop calls unless I force my husband to call her which I cant make him do. The truck he was driving was in his name the insurance was in his name i have nothing to do with any of this and yet I'm one being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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