vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 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: TN

Complaint narrative:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, XXXX Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and Experian Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. Experian was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX  Credit Bureau, XXXX  XXXX, and Experian credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: CA

Complaint narrative:
I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX  and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX  as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM EQUIFAX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ).

*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. THey are supposed to respond with the results within 30 days. I received my responses from XXXX and XXXX XXXX weeks ago, but I have still yet to receive anything in the mail from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I am fighting this collection due to the false payments that they say have not been made my account has been active with no late payments or any problems but now there has been problems they are saying due to late payments Ive paid my bill constantly they have switched my payments to two accounts and I only have one credit card they have never told me via phone any past due payments as I would have paid they say they sent letters but I never received and yet and still I call them and they don't say I owe anything to them they have been charging me interest and late payments over and over again throughout these months and I am not paying interest on anything I did not know of and spoke with representatives several times and NOTHING was mentioned. 

please remove this off of my credit!

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 2018-07-02 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: FL

Complaint narrative:
Fraudulent activity in my wells Fargo and XXXX XXXX account. So now I cant open or bank with anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation
State: NV

Complaint narrative:
I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ...

any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! 

my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: GA

Complaint narrative:
I submitted a complaint multiple times to the credit bureaus regarding my paid student loan with XXXX XXXX XXXX. The loan was opened in XXXX and paid off in full in the spring of XXXX. There is a " failed to pay '' negative on my accts history from XX/XX/XXXX with Experian. Again this loan was paid in full last year. Initially the error on the acct that I made my first complaint was concerning a balance that they falsely reported in XXXX. That was reported to XXXX. They deleted the acct entirely due to my dispute and the XXXX XXXX XXXX   not getting it right. Then a month later I have the same issue, but now with Experian. Once again, I disputed it. The result of that dispute was Experian corrected the reporting of having a balance but change one mistake to another in now having this negative entry of a missed payment. So ... .again I dispute and make a complaint with you guys. To no avail as you seee because I am once again making another complaint for the same acct. I am really fed up with all of the problems with this particular acct and its mistakes. It has already cost me to loss one house that I was trying to close on but I couldn't secure the loan due to these errors. This is my second attempt at making a complaint with The Consumer Financial Protection Bureau and I really don't know where to turn next aside from contacting a lawyer. The failure of the XXXX XXXX XXXX XXXX to correctly report on my loan is drastically effecting my life and the mental anguish behind having to run behind this to correct it is becoming like a second job in which I really don't have time for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: WI

Complaint narrative:
I was notified of a collections on my account. I did not recognize this company and never received a bill from that company. I tried calling the number listed and it came up to a voicemail called " XXXX '' and I was not able to leave a message. I filed a report with Experian and they got back saying the information is accurate and gave me no new information on this supposed collections. I have no way to contact this company who is trying to collect on me on something that I have absolutely NO record of!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. 

The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. 

My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has  been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. 

Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. 

On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. 

I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. 

The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. 

Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me.

I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/18 I accessed my Amex Account online to use thier membership rewards points ( their rewards program ). When I went to use them I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I had no idea what this actrually meant beyond I couldnt complete it online, so I called Amex on the phone to figure it out. The lady on the phone said she could complete the transaction ( trasnferring MR to XXXX XXXX   ), but when she tried, she got the same message. I then had to call a different department to find out what this actually means and the other department and no one on the phone was able to assist me. They said it a freeze of MY points, it was something at the corporate level and they were reviewing my account and there was a PO box that I coudl write to. No one could tell me why, what caused this, how it could be resolved, other than writing a letter to a PO box . that is not acceptable. I have paid my Amex bills, on time, in full, for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX   who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Center, LLC
State: CT

Complaint narrative:
I received a letter from " XXXX '' of XXXX stating that I owed {$20.00} due to an unpaid medical bill from " XXXX XXXX XXXX XXXX. '' After calling and speaking with them and making it clear that I have never visited a place called " XXXX XXXX XXXX XXXX '' she said " Well, we have your name, your birth date, how else would we get it? '' I made it clear that I was not paying until I found out if this was legitimate. She gave me the date of service but said she " had no other information. '' I called my doctors office, confirmed that I had visited on that date, paid on that date ( as per my credit card statement ) and that I had no balance due. I believe this company is simply attempting to collect money from anyone who will give it to them, regardless of whether debt is owed or not. The letter I received from them states that there will be a delinquency on my credit report if this is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TX

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the bureau to inform them of the inaccurate inquiries on my credit report i was advised to call the company which I did and was told to call Transunion back so they could work together to have it removed but nothing was resolved XXXX XX/XX/XXXX contacted the bureau issue remains unresolved XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Contacted the bureau and it remains the same and unresolved

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