vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-28 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 did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize 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 2018-01-28 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: NJ

Complaint narrative:
I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We made an error paying our Wells Fargo credit card and overpaid them by thousands of dollars. On XX/XX/XXXX, we contacted Wells and explained the issue before the payment processed. We were told our funds would be returned in a few days. About a week later, we called again. The date of refund was changed to 10-11 days. On XX/XX/XXXX, we were told it would be up to 30 days. We decided to close the account that has more than {$8600.00} credit balance in an effort to expedite our refund. A supervisor told my wife they would call us later that day with refund status and we could close the account at that time if we still desired. We still have not heard from Wells Fargo and no one can tell us when we will receive our refund.

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 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 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: AR

Complaint narrative:
Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

Thank you

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 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion is reporting two addresses on my credit report that I have never lived at or been associated with. I disputed these addresses on XX/XX/2017 with Transunion and have not received a response from this company. The addresses are listed below. I have never lived outside of Arkansas so this California address should not be reporting on my credit report. Please investigate these addresses and remove them from my credit report. 

1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX, AR 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 2018-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.

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 2018-01-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX   6. XXXX XXXX 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 2018-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Last month I sent Transunion a letter informing them of unauthorized/fraudulent inquiries on my credit report. To this date Transunion has not removed the unauthorized/fraudulent inquiries that shows on my report. I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their noncompliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB. As I am entitled to a fair credit report just like anyone else. 
Thanks

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 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: STATE FARM BANK, FSB
State: IN

Complaint narrative:
State Farm Bank whom I had an home equity loan with once I paid the loan down to % 20-25 in late lump sum payments I told them I would receive and did from XXXX XXXX XXXX benefits. After the 1st portion of the settlement and 1st payment I was sent to credit reporting agencies for the reminder ( the % 20-25 ). 
Since being reported and I believe that they wrote the debt off filed claims or taxes on the debt Years later I have received threats of foreclosure for the whole original debt of the entire loan. 

S.o.s.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out of XXXX XXXX XXXX complex at the end of XX/XX/XXXX. Very soon after I received a letter that I owed money to the complex for damages to the furniture I did not ( nor any of my roommates ) make ( I do not recall an amount being stated in the letter ). I emailed the apartment complex manager on XX/XX/XXXX saying I would not pay for the damages I did not make, and sent her attachments of my inventory list from before moving into the complex that shows I had noticed couch damages prior to move-in, and had noted it on my inventory list. I received a reply two months later that said the damages were due to pet dander and stains, which me nor my roommates made. I replied to the email XX/XX/XXXX noting, again, that me and my roommates had not damaged the couch, that the condition we left it in was the condition we found it in. I also stated I would get an attorney if they continued to bill me a payment I was not responsible for. Since XX/XX/XXXX, I have not had any correspondence with the apartment complex manager until yesterday XX/XX/XXXX, when my mother ( who cosigned my lease with me for this complex ) received a call that the amount owed to the apartment complex had been sent to a collection agency.

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 2018-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
Company ERC XXXX XXXX XXXX has an account under collections that i did not know about until i checked my credit report. Im not sure how long it has been there. The account was dropped from my XXXX  recently but not dropped from my XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Our son was in a horrific accident in XX/XX/XXXX, I called the Mortgage company to explain to them that in order for our son to come home we had to modify our home, unfortunately the only money at the time we had was our Mortgage payment and we used it to make our home accessible for our son, now that he is XXXX. Things were okay the first few month 's, but shortly after Wells Fargo would deny taken payment over the phone they would put our money in a " suspense account '' time and time again and release the money and it unfortunately repeat over again. After trying for months to work on it, in mediations with Wells Fargo we had no alternative, but to hire an Attorney. Ultimately our home was foreclosed on even after our attorneys submitted document after document, month after month in order to refinance our home we were even approved for HOPE and after submitting the documents to our attorney 's they advised us that there was nothing they could do that they were foreclosing on us and we had to be out of our home. We lost our home that we put our blood sweat and tears into that home, our son feels he is the blame that we lost our home and now we have bad credit due to this.

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 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher Collections Services contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the same collection agency contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. The acount was open on XX/XX/2017 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank has suddenly blocked access to multiple finance applications. I am unable to link my bank account to XXXX, XXXX, or XXXX just to name a few. I need these applications so that I can invest and save my money. I was able to link my account previously so this is definitely something new. I no longer am able to automatically save and invest my own money and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.

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 2018-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
My name is XXXX XXXX XXXX on the XX/XX/2017 i wanted to send money to XXXX to my family. When i went to western union XXXX, i was refused by the western union that i can not sent money western union USA has block your name. I send my email to XXXX XXXX XXXX USA unit. they responded by sending me a restatement form which i filled in on the same date, and they said within 5 days they will respond. Western union USA asked my copy of my passport, proof of employment a copy of contract all this i send to western union. 
My complaint is that they is no due care western union are personal document. when they request this document they do not put the contact and name of person request for very important documents from western union .Is this professional. Western union after taking a copy of my pass port, contract of work .work visa and details of my wife. they have not come back to me .help i am scared may be it fraud scam to steel my documents. Because western union has office and argents in each country to close check identify face to face instead of asking through internet why can they ask the agents to check the identity .Right it is 7 days western has not able to help and i can not send money to my family. 
Kindly help me. XXXX XXXX

Company response to consumer: Closed with explanation