vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mail a package to Experian because there are discrepancies in my credit report. In that package I mail a police report, a Identity Theft Victim 's Complaint and Affidavit that has been notarized, a document from the US Supreme court, and a name change with the supreme court. XXXX the representative stated that those documents were NOT sufficient and she ( XXXX ) and her department will NOT USE THEM. I contact the police department in XXXX county and the police officer XXXX over the phone explain that the " incident report '' and the police report are the same thing, that it was up to the police report at the time to choose how to file. She also stated that the " notoriety '' was insufficient and refuse to use these documents. In page 7 of the police report states that it can be sing in the presence of a law enforcement officer, a notary or a witness. She REFUSE TO TAKE ANY OF THESE LEGAL DOCUMENT. Stated that those were insufficient. She was yelling at me on the phone, talking over me and I let her know I do not want to speak with you I wold like to speak with your supervisor she stated they did not had any and I requested to be transfer to one. She put me on hold for over and hour. I also included documents form the US Supreme court and she also did not accept those. TWO other companies, XXXX and XXXX never had any issues with these LEGAL documents. I have contact my Attorney General office and they stated those document are sufficient. They have INCORRECT NAMES, ADDRESSES, COLLECTION THAT ARE NOT MINE. I HAVE SEND THE DOCUMENTS THAT PROVE MY NAME CHANGE WITH A US DISTRICT COURT AND POLICE REPORT AND THE IDENTITY THEFT VICTIMS COMPLAIN AND AFFIDAVIT.

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had two transactions that are a result of {$35.00} overdraft fees applied because of transactions that are under {$10.00}. On XX/XX/XXXX I made a transfer transaction from my second checking account to the primary checking account. I transferred {$30.00} to my primary account. A {$6.00} purchase was made and my balance was {$23.00} for some reason I was charged a {$35.00} overdraft fee when my SSA direct deposit was posted on XX/XX/XXXX. This action could not be explained by the Bank. On XX/XX/XXXX a transaction came in for a preauthorized debit of {$10.00}. I made a deposit on XX/XX/XXXX XXXX where it showed a -XXXX where a overdraft fee was not applied. Shortly after I made the deposit a overdraft fee was applied but the account shows a {$15.00} balance that I thought was available.I tried to use the available balance to make a purchase and was declined. I contacted the bank and request a courtesy of returning my money and was told that I I will be charged a overdraft fee which was applied later in the day and a follow up overdraft message was sent to my phone shortly after. I understand their procedure but why not send a reminder that you have a negative balance and to make a deposit. The bank used to do that in the past but they are so hungry for taking money from people that are on a fixed income and I can not afford to give the Bank overdraft fees on a monthly basis. I would like to be advised if I can possible sue for not making customers aware of negative balances and choosing to charge overdraft fees any time of the day without warning. This resulted in a transaction that was denied because I was unaware of the overdraft charge until I called and discussed with the Bank. Shortly after speaking with the Bank they decided to send a overdraft message to my phone but it was too late I thought I was in the positive. Please help. Citizens Bank repeatedly charge overdraft fees and take away from customers that are on fixed income and deliberately taking money for overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a copy of my credit report and noticed Elan Financial Services reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of FCRA reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Elan Financial Services. I sent a vertification letter with no response.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I moved out of XXXX XXXX at XXXX XXXX, in XXXX Texas, on XXXX XXXX, 2017 having provided proper notice, etc. The final bill arrived on XXXX17, about the same time a letter from a collection agency arrived ( collection agency was the following Tuesday ). The final bill was for my final utilities and such. The problem started, as mentioned, when a letter from a collection company, came just days later. The apartment complex states that if the final bill is not paid within 30 days, it 's automatically sent to collections. The final bill shows that it was n't prepared until XXXX XXXX, 2017. Then, apparently they did n't mail the letter for a week or longer so by the time it reached me, my 'grace period ' had already lapsed and it is in collections. I contacted the former complex and worked out a couple of charges I did n't believe were fair, over the course of a week. Meanwhile, I contacted the collection agency and disputed the amount and told them that I had just received the bill and was going to pay it, but to the apartments. XXXX XXXX at XXXX XXXX, told me today, that since it 's in collections, I must pay the collection agency. I do n't want this on my credit and I have told both parties that I intend to pay but I did n't have any time to pay it before it was sent to collections.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts with 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 2017-06-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and noticed Account control technology reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of Section 392.102 of Texas finance code reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Account control technology. I sent a vertification letter with no response.

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 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
www.navient.com XXXX15 called the XXXX but the recording could not help me and would not connect me to a representative because they could not understand why I wanted to talk to one so they said they would end the call. After calling a few times I scheduled a call back at XXXX XXXX. Then I got online and they could not take care of me there so I scheduled another callback at XXXX EST. The phone calls and the online program would not let me pay off a student loan. They offered to refinance and defer, but could not accept the payoff for my loan XXXX. If I selected payment on the computer or said payment to the recording it wanted me to make a monthly payment. I registered online and the computer today said they did not recognize my user id, but when I had them e-mail me the user id it was the same as I entered but it did not recognize me. I tried to reregister and it said I couldnt use that id. When I finally tried and tried to get into my account it said I could download a form they sent me, but I never received a scheduled call back. Since I could not re-register, I could not download the form they sent to me on their website. The jest of it is they do not want to accept a payment from me because they make a ton of money on the students. They had a little paragraph on the website telling that they would continue to charge interest if it came by post office mail, but they would not accept a payoff from me online or on the phone. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for the Bank of america XXXX credit card on or about XXXX XXXX 2017. But the application is denied even when i am having the credit score of XXXX. At the same time Bank of America did n't provided any reason why the application is rejected? Moreover no instructions in terms of how they made the credit decision and how to acquire the free credit report. This is the clear violation of standards and standard operating principals. Worse than that - they send me a form to apply for the secure credit card to build the credit history, what??? It was just to rub the salt in my wounds. I never opted for getting any marketing or any other sort of material so why they are sending at the first place??

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 2017-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from XXXX. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This complaint is being filed against Trans Union in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX with Trans Union on XXXX different attempts to correct their inaccuracies. However, Trans Union have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Trans Union claiming the account verified how was it verified and by what method did they verify? Why cant they provide me with the original signed contract, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on fourth occasion. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,

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 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up on 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 2017-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 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: TN

Complaint narrative:
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX at XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX, TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX XXXX  which was made on XXXX/XXXX/2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.

Company response to consumer: Closed with non-monetary relief