vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.

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 2018-06-07 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: CA

Complaint narrative:
On XX/XX/XXXX A bank representative with Wells Fargo Bank by the name of ( XXXX ) informed me that a dispute was opened in XX/XX/XXXX for a claim in the amount of {$620.00}. 

The disputed opened was for an unauthorized charge. The company called XXXX charged my account without my authorization. 

XXXX an agent w/ Wells Fargo Bank also informed me that this claim which was paid back in XXXX was reversed and that proof would be required to reverse the unauthorized charge for {$620.00}. The agent informed me that if that proof was provided the claim would be opened up and the charge for {$620.00} would be reversed. 

The agent also informed me to fax any proof over to the claims department to confirm payment was made to the vendor XXXX in the amount of {$620.00} The agent provide a fax number ( XXXX ) XXXX The agent informed me to include a claim number claim # XXXX on all my docs After submitting information as requested I was later told the information provided to me by XXXX was invalid and incorrect and my claim would ( not ) be reopened and would remain denied. 

I am requesting that Wells Fargo take full responsibility for what the agent informed me and reverse the charge for {$620.00} like I was informed by two agents of Wells Fargo Bank. 

I would like the phone calls reviewed on XX/XX/XXXX with agent XXXX and on XX/XX/XXXX with XXXX Claims supervisor ( XXXX ) agent ID # XXXX informed me the a bank error was made and that I was given incorrect information by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX both informed me to submit proof of payment to reverse the claim however ( XXXX ) informed that the information was false. And any false information provided by an agent would not change the decision he made to deny my claim due to a bank error.

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 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CA

Complaint narrative:
I disputed a bankruptcy with XXXX and Transunion. XXXX removed it but XXXX and Transunion refused to.

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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
This collection amount of {$310.00} was erroneously placed on my credit report in XX/XX/2015 and I was unaware of it until I checked my credit recently. I was never sent any official notice of this debt and I did not incur it. It should not be in my credit file because it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX just today sent a letter through this site saying date was XX/XX/2012, I was disputing this date on my LAST complaint along with the DEBT even being owed. I have a letter that XXXX XXXX sent through this site a few weeks ago stating the debt date is XX/XX/2012. This claim was closed, but as you can see with my newly attached letter the date was incorrect! If the date was supposedly verified and is incorrect how can any of the other information be verified as true? XXXX XXXX has been unethical and now downright false in " verified '' information. I would like for this to investigated, corrected and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I transferred {$370.00} from my Wells Fargo XXXX account to XXXX XXXX ( XXXX ) to purchased concert tickets from an ad on XXXX As soon as the money was transferred he disappeared and there were no tickets transferred to me. Many attempts were tried to contact him but to no avail. The phone # he was using is 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 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been working for my company for the past 9 years and none of it shows on my credit cards report. How do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dates/amounts XX/XX/2018 - amounts {$2400.00} XXXX Transfer, {$510.00} XXXX, {$510.00} XXXX Total charged {$3500.00} This was a purchase for a camera. After contacting someone to purchase their camera, a XXXX XXXX, I was told to send the money via XXXX since his XXXX hit the max transaction amount. I transferred the {$2500.00} via XXXX and another {$1000.00} via XXXX. I trusted the XXXX service since it was available to do through the Bank of America mobile app. After about one week, I had still not received the camera so I contacted my bank and filed a claim. Claim was rejected, and they told me that the money that was transferred went to another Bank Of America account, but could not give me details on the account holder so I could file a police report. 

I have attached photos dealing with the conversation we had below. The number turned out to be a burner, and his names were false.

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 2018-06-07 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: CO

Complaint narrative:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a new 360 checking account with Capital One. I attempted to connect my account to XXXX to withdraw some investments I made earlier in the year. Capital One is blocking my ability to do so and are refusing to allow me to connect the account to XXXX. I have a second checking account that they allowed me to connect and two debit cards. I told them that I wanted to withdraw my funds into this account they said they don't allow crypto currency accounts to connect with Capital One. Today 's date is XX/XX/2018. I already have a capital one checking account connected and two capital one debit cards, so if this was true than the other ones would not work. They are refusing to help in this matter. It's my right to have access to my financials by any means I see fit. I pay my taxes. My investments can be tracked as they were all done through capital one. I deposited money into XXXX and have withdrawn into capital one several times. XXXX offers tax documents for the end of year. This is ridiculous that I can not with my money back into capital one where i have done so many times before. I have broken now laws and am being denied access to my financials!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: CO

Complaint narrative:
XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-06-07 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: CO

Complaint narrative:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: IL

Complaint narrative:
I have a 6 figure loan with Navient because I have XXXX XXXX and stayed on campus during my XXXX. I had a loan and was laid off in 2017 and my payment plan was not the same when I got on my " feet ''. It was like the loan started over due to a life event. Not only that, in 2017 when I requested lower payment, they couldn't let me pay what I could, I either had to pay over 1,000/month or put my loan on hold because I didn't have the funds. 

I was young when I got my loans before the recession and would not have gone to school if I hd to do it again. Navient has no soul.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: MD

Complaint narrative:
I received calls but no paperwork regarding this liability. I'd like this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: MD

Complaint narrative:
OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}.

I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms.

XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally.

Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I would like to know exactly what im being charged over {$1800.00} for. I have requested the documentation several times, directly to the creditor and the credit bureaus through formal validation. I have just received a final bill that just states the amount owed, but has no itemized charges of how the bill came to over {$1800.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: NV

Complaint narrative:
I have a loan with ED FINANCIALXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and ED FINANCIALXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Finance LLC
State: DE

Complaint narrative:
I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. 

I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I submitted a complaint about XXXX XXXX on XX/XX/2018 to CFPB, ( case # XXXX ). A part of the complaint was that they were contacting my mother who is not an authorized user on the account. They shared confidential information with her. I was informed that the bank reached out to her yet again on XX/XX/2018. The call was from phone number XXXX. They have not justification for reaching out to her, as she is not on the account, and they have all of the information already. The number they continue to call her at is XXXX. 
At this point, this is harassment, and we are currently seeking legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive tried to dispute multiple accounts with no help from bureau. I have received no information or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately. 

Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.

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