vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Originally this issue was my mistake. I submitted my payment in full to Barclay through a bill pay system. However, I accidentally sent it to an old credit card account instead of the proper XXXX account. I have been calling this bank sine XX/XX/XXXX to get the monies moved to the correct account. Representatives have told me it will be finalized on XX/XX/XXXX and XX/XX/XXXX both of those dates have been missed. I get zero communication from them as to why and have to wait through long phone calls on hold to get anyone that knows even that this problem exists. I would like to just get the money that has been taken from my bank account applied to the correct account and the interest and late fee charges reversed.

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
This is not my 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 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I emailed company on XX/XX/19 and then I also called and rescinded the wage assignment. I sent an email to the CEO office and also spoke to several representatives to try to reach a settlement for the principle amount of the loan. The amount when I asked for the settlement was XXXX. This would have had the company write off about 200 in interest only. There was a lost of income in my household. So to prevent a long term impact to my credit and finances, I asked to settle the account. I was informed that I had to be at least 61 days behind and that if I made a minimum payment of XXXX that I would stay in a positive balance. This did not make sense as this would also keep the account in a current status. This would also cause more interest to accrue over time. I wanted to settle the account, close the account and avoid negative impact on my credit, and more fees. 

The company refused to work with stating the contract was enforceable. This would benefit the company to continue to accrue more interest and fees over a period of time and impact the consumer in a negative light.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2019 checking credit report beside always having problems with XXXX XXXX they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now XXXX only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Repeated calls, nearly every day from Portfolio Recovery Associates ( XXXX and many other phone numbers ) to my XXXX XXXX telephone number. They do not know my name, I do no business with them. I have blocked many of their fake phone numbers, but Portfolio Recovery Associates continues to call this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Credit Acceptance have been reporting late payments when all payments were pay as agreed since XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got 3 offers from chase for credit cards and accepted all of them was approved for all 3 in XXXX of 2019 and then they said we have to close your account because thats to many accounts that have been approved which is insane because they are the ones that offered it and now have ruined my credit because I have 3 closed accounts showing in my credit report and other banks look at me as high risk because of this issue this bank has caused me I have documentation requesting for investigation and still they dont care about it provided me with a number you cant talk to no one because it asks for an extension and they wont provide it its like they are doing it on purpose and charging me for an annual fee for a card I never used or was activated because they closed the account before even receiving it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16 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: DE

Complaint narrative:
Fraud Inquiries not authorized from these listed companies on my Experian Report are XXXX   XXXX XXXX and XXXX XXXX  XXXX  XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX all these need to removed from credit file

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 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I NOTICED ON MY CREDIT REPORT A CLOSED ACCOUNT FROM WELLS FARGO THAT DOES NOT BELONG TO ME I WOULD LIKE THIS REMOVED FROM MY ACCOUNT IMMEDIATELY. I'VE CONTACTED THE COMPANY SEVERAL TIMES THEY HAVE THE INCORRECT ADDRESS ON FILE XX/XX/2019 DEBT {$2900.00}

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
As required by law, this company did not provide me with an opportunity to validate this debt prior to reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. One of these unverifiable accounts were deleted and remain on my credit report.

The letter also requested incorrect addresses be deleted. Some of the requested revisions were performed but on further review there are a total of four incorrect addresses that need to be deleted.

The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my past employers per my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Transunion did mail me a response letter to the verification and demand letter I sent 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 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX  with a balance XXXX. I have paid {$6900.00} to credit acceptance.

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 2019-10-16 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to 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 2019-10-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was told by a customer service representative over the phone that the social security on my banking account was incorrect. I was able to verify my account with my phone, however, the banker recommended I seek assistance in person. On XX/XX/XXXX, I visited the Wells Fargo location in XXXX- XXXX and I spoke to XXXX XXXX, a banker. XXXX was able to edit and fix my social security on my account. However, I was left with many questions as to why the wrong social security number was on my account. I have been a customer of Wells Fargo since XX/XX/XXXX, and I have never experienced this kind of issue. It is upsetting that Wells Fargo did not have my social on my own account and therefore I was building up my credit on someone else 's social security. My credit score used to be in the low 700 's and now it is in the very low 500 's when my social was fixed. Consequently, it is unfair to lose the credit I have built up over the years due to a mistake that was made by Wells Fargo. I made a complaint and I faxed it in XX/XX/XXXX, however, I never received anything in the mail as the Wells Fargo representative said. It has been over 90 days and I am now filing a second complaint.

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 2019-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This issue took place once I requested a Medallion Signature Guarantee regarding me updating my name on my XXXX account. The individual who had the authority to provide me with the Medallion Signature Guarantee started questioning me regarding the XXXX account, he was hostile and demanded to know how much money was in the XXXX account, what I was investing in and what did I need the Medallion Signature Guarantee for. I advised him it was for a name change form that was sent to me via XXXX. 

After he refused to provide me with the Medallion Signature Guarantee even though I had my decree letter in hand which was what I was advised needed to be presented and with the court seal on it he still refused to provide me with Medallion Signature Guarantee. I then decided to closed my account with Wellsfargo due to the horrible customer service. 

Even thought I closed the account I requested access to pull up both XX/XX/XXXX and XX/XX/XXXX account statements and was advised that they should be accessible, but they are not because my access had been limited. 

Wellsfargo has been contacted numerous times regarding the access to the account so that I could have a copy of all my transactions performed during my time as a Wellsfargo account holder. The has emailed me several copies of the XX/XX/XXXX statement but not once have I received the XX/XX/XXXX statements and I have requested them three times now.  Nor can I login and pull them down as a PDF file on my own. 

I believe this act was caused due to me complaining on the man who could have provided me with the Medallion Signature Guarantee.

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 2019-10-16 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: MI

Complaint narrative:
Did not apply for a XXXX XXXX loan.Did not give this company permission to pull 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 explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ Fortiva XXXX XXXX XXXX XXXX Georgia, and XXXX XXXX XXXX XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week XXXX began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation