vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX stating that I was 30 days past due and the letter threatened going after my credit score. Upon calling navient, I was informed that in XX/XX/XXXX my payment was {$0.00} ( XXXX cent ) short. Upon checking my bank account, every payment was made on full ... this was a data input mistake by navient ... I had paid everything on time, in full!! I was treated like a common criminal, time and time again told that I did not pay my loan. I pleaded with them to please check thier records in more detail as I have proof they were wrong. After speaking to three customer service reps including a supervisor, my only option was to pay the {$0.00} or prove to them by sending bank statements that I was right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: MD

Complaint narrative:
I have received the results from previous complaint XXXX from TransUnion. In which it seems as though they are in direct violation of FCRA 623 ( a ) ( 3 ) -Responsibilities of the furnishers of the information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). <P/>I have also not been forwarded any validation of this debt from the creditor to date. Which I have been disputing for over 8 months. <P/>I am in awe that I have disputed this with your establishment and have not received the adequate justice according to the law. <P/>I have retained a complete dossier on this creditor and complaint. I will next be notifying the Consumer Affairs Division in XXXX, MD should I not receive positive results from this second complaint. I have forwarded to you what I believe is substantial evidence that disputes were made and the appropriate remedies were not performed. <P/>I will again be forwarding to you the same documents and a NEW updated TransUnion 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 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to 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 2017-07-07 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: NJ

Complaint narrative:
This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting to 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 non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I previously submitted a complaint against Gurstel Chargo/Gurstel Law Firm in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XXXX XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through XXXX XXXX XXXX in which the last date of payment was XXXX XXXX, XXXX. I also received a demand for payment the same month. I responded by certified mail XXXX XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XXXX XXXX, which was a copy of a statement from the credit card company XXXX XXXX XXXX. In XXXX XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XXXX XXXX they sent me copies of paperwork requesting information from me and XXXX. At this point I submitted a complaint against the law firm and XXXX XXXX XXXX with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XXXX XXXX, XXXX that they have filed against me with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened a fraud dispute on XX/XX/XXXX, 2017 for a charge that occurred in XX/XX/XXXX 2017 I visited what I believed to be a law firm licensed in the state of New York to handle a law suit on my behalf. The representative made a photo copy of my card and charged {$1000.00}. <P/>I found out about a week later that they had no license to practice law anywhere in the United States - a Felony. <P/>The representives then attempted to make 3 additional charges for {$1000.00} all of which were unauthorized and blocked. <P/>I made many attempts to request my money back since they had no ability to perform the advertised services and the advertised services were never able to be performed, since they have no license to practice law. <P/>I opened a dispute with American Express and requested an immediate chargeback since it was pure fraud. <P/>I spoke for more than 3 hours to various AMEX employees all of which refused to do anything. One individual in particular XXXX ( Employee ID number : XXXX ) was especially reckless should be charged with aiding and abetting fraud. <P/>I demand my money back now and regulatory action taken against XXXX and AMEX for refusing to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have a  XXXX  student loan that is currently in repayment status. In  XXXX  of  2016 , my lender,   XXXX    XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to  XXXX . However, Heartland ECSI has only reported my account information to   XXXX    XXXX  (  XXXX  ) time since becoming the loan servicer. Therefore, I believe   XXXX    XXXX  and Heartland ECSI has been in violation of the promissory note for fifteen  ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and    XXXX     XXXX  regarding this issue since late  2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I ha ve a Perkins  student loan that is currently in repayment status. In  XXXX  o f 2016, m y lender,   XXXX   XXXX  , decided to transfer my loan to a new servicer :  XXXX   XXXX . My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that  XXXX   XXXX  report specifically to Equifax. However,  XXXX   XXXX  has only reported my account information to Equifax  one ( 1 ) time  since becoming the loan servicer. Therefore, I believe   XXXX   XXXX   and  XXXX   XXXX  has been in violation of the promissory note fo r fifteen ( 15 ) of the last sixteen ( 16 ) months. I hav e been in contact with both  XXXX   XXXX  and   XXXX   XXXX   regarding this issue since lat e 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX We have tried to fix this issue with Nationstar Mortgage. They sent me a response with the wrong recorded paperwork from the State of California and XXXX XXXX XXXX. I have attached the correct paperwork to this file. We were told when the State of California and CFPB fixed the issue with the fraud that if we were to experience another hard-ship we could apply for another modification in the future. We have submitted a request and Nationstar Mortgage referred us to the new loan department as they could not do another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: U.S. BANCORP
State: TN

Complaint narrative:
XXXX   XXXX  is associated with US Bank Mortgage. A inspection of my property was done in  XX/XX/XXXX , without my knowledge. I had a invoice mailed to Attorney  XXXX   XXXX   XXXX  's office in  XX/XX/XXXX . The year I filed bankruptcy, because my mail was being stolen. I only receive d one invoice from the Company.  It shows US Bank account number. The name  is U S Bank National Association.  This invoice is dated  XX/XX/XXXX . I nee d the invoices from US Bank.  XXXX   XXXX   XXXX  &  XXXX   XXXX  have been deleted from the bankruptcy courts. I have the original Deed of Trust for  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   poses  as a paralegal.  XXXX  worked for the  XXXX   XX/XX/XXXX , until she stole from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
On XXXX XXXX, I received an email to my personal XXXX address saying " Your Brink 's Prepaid MasterCard is on its Way. '' I have never applied for a prepaid card nor interacted with Brink 's in any way. I called the customer service line to report what I thought must be fraud and cancel any account opened in my name. The representative said she had cancelled the transaction. <P/>Today, XXXX XXXX, I received a second email confirming that a prepaid MasterCard was ordered. This time, the email was addressed to someone named XXXX XXXX and advertised the Brink 's Prepaid Card mobile apps. <P/>I need for this communication and the fraudulent account to be stopped immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: OH

Complaint narrative:
On or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.

Company response to consumer: Closed with explanation