vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was overcharged by XXXX XXXX for my mobile phone plan ; I should have been charged {$83.00} ( the normal charge of {$100.00} minus my 'wallet ' credit of {$25.00} ), but was charged XXXX, a difference of {$31.00}. I tried unsuccessfully on numerous occasions to resolve the problem with XXXX XXXX, but, despite the fact that a CSR named XXXX, at approximately XXXX on the evening of XXXX XXXX, claimed that I would receive a refund of {$32.00}, but I never did. Hence, I felt compelled to open a dispute for {$31.00} with my credit card company, US Bank. 

However, US Bank rejected my dispute and refuses to provide any reason for this rejection. This despite the fact that I have provided all documentation that they have requested, despite the fact that during my last conversation with a CSR -- with XXXX at XXXX EST on XXXX XXXX -- she told me that what prevented my dispute from successful resolution had been that US Bank had lost my receipt, and despite the fact that my final fax ( XXXX XX/XX/2019 ), which again supplied the receipt, specifically asked that US Bank : '1. Notify me if you regard this documentation as insufficient, illegible, etc. 
2. If you regard this documentation as insufficient, please present an argument as to why and indicate next steps for resolving this dispute. 
3. Please provide information regarding possibility of appeal or escalation for this dispute, should it not be resolved in my favor with this documentation, for I will otherwise need to pursue the matter with the Consumer Financial Protection Bureau, among other entities. ' They never did, and simply sent another letter, without evidence or specific reason for rejection, indicating that it was rejected. This is in open defiance of the Fair Credit Billing Act, 161. 'Correction of billing errors '.

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 2019-04-18 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: FL

Complaint narrative:
I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION S XXXX XXXX XXXX  

TRANSUNION
- 10 XXXX XXXX XXXX  Collection services XXXX XXXX XXXX   XXXX XXXX XXXX
Collection   services
XXXX


XXXX XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections non specific 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 2019-04-18 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: FL

Complaint narrative:
I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION XXXX XXXX XXXX XXXX  


XXXX
- XXXX XXXX XXXX XXXX Collection services XXXX
-  XXXX XXXX XXXX XXXX
Collection services
XXXX


EXPERIAN
- XXXX XXXX XXXX Other Collection Agencies XXXX
- XXXX XXXX XXXX XXXX XXXX  
Collections  non specific 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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-18 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: PA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.

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 2019-04-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX, and XXXX and XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30, 60 and 120 days late from XX/XX/XXXX to XX/XX/XXXX. There was an error on their part. I was never 30, 60 or 120 days late.

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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged for something that I did not even ask for and XXXX is refusing to give me a refund. 

The cashier made a mistake and did a money transfer ( which is not what I asked for ) instead of printing out two money orders. 

She was embarrassed about not knowing how to do a refund or how to fix the situation, so she told the manager that I asked for a money transfer ( which I did not ). 

I disputed it with my bank but they denied my claim due to " XXXX sent us an invoice for two money transfers ''. Even though I asked for money orders not tranfers, and I did not receive anything that I paid for that day at XXXX and my account is now negative over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Last year I found out that Bank of America incorrectly used my Social Security Number and it has caused XXXX for me. This made me not be able to out an account at the time. It took over 2 months to resolve, they sent me a letter and said its 100 % resolved. I've never had an account with them and never will. 

Most recently I went to apply for credit and they state that the problem is still there and will not close it until its remove. Bank of America will not respond after XXXX complaints. I also called bank of America directly and they wont help me because I dont have an account. Obviously I dont but I still need help. On top of all this I filed a complaint on their site with no response. Personally I just need help to take action against this company. It's absolutely ridiculous that it takes contacting your agency for this poor institution to do anything. I really need help otherwise I can not close my loan.

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 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I represent a homeowner selling her home as a short sale. I initiated a short sale in XXXX for my seller originally in XXXX. By the first of XXXX the short sale was rejected due to the loan being charged off. I called MR. Cooper ( 2nd lien ) and asked where the file went, and if they still were servicing it i wanted a lien release letter. They said they did not know if they were still servicing the file at that time or had released it to a different servicer. I continued to call to find out and asked the seller if she had received any mail regarding this charge off and she said she did not receive any information about the charge off. After calling for a month Mr. Cooper told me that they reversed the charge off and I could initiate the short sale again through XXXX which I did. I told the servicer that this file should be streamlined and escalated since they had wasted so much of our time and also that one of the borrowers had passed away so we should be able to streamline it. I completed all my tasks on time and an appraisal was ordered. I waited several weeks and emailed the manager regarding the status often during this process with little or no response. I decided to call the escalations department today to see what the hold up was and the agent apologized for the delays and would help resolve this. he sent the file to be assigned to a negotiator which should have been done weeks ago and then said that they would review it today so we could have our approval letter by next week on Wednesday. Later that same day the manager assigned to my file called me and said " We cant continue '' I asked why and he said that Mr Cooper isnt really servicing this loan and XXXX is ... I was shocked. I asked why am I now finding this out since I have had an active short sale being processed for three months now and he said they made a mistake. I told him that was not a mistake but was DECEPTIVE in every way! If Mr. Cooper told me over two months ago that they did reverse the charge off then why did you accept the short sale? He could not give me a straight answer. I told him I would be filing a complaint with the CFPB and he told me NOT to threaten him. I said I was not threatening him by filing a complaint. I asked why he had not replied to any of my emails I sent in XXXX and he said he is not a negotiator and doesnt reply to those emails. I said we did not even have a negotiator assigned to this file until today!! He said that if I threatened him with a complaint he would not be willing to help me resolve this issue. I Told him that he needed to send everything to the new servicer immediately and then call me tomorrow and let me know how soon we can get our approval since everything had already been completed. He said he MIGHT call me tomorrow but would not guarantee anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have never heard of SW CREDIT SYSTEMS until today when I checked my 3 credit reports. Back in XXXX, this company listed a new collection account not once, but TWICE, days apart on my credit reports. Major hit. 
I dont know this company or this {$250.00} that is attempting to be collected from me. 
Sounds like a huge scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm having hard time trying to get a my credit report because the credit bureaus have put fraud protection block on my credit report. I would like to get a copy of my full credit report from all 3 Credit Bureaus. ( Experian, XXXX, XXXX ). So i can verfiy the information on my account.

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 2019-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc
State: CA

Complaint narrative:
XX/XX/2019 XXXX Receives Customer Rebuttal to Response ( The consumer indicated he/she DID NOT accept the response from the business. ) Vengroff states in their response that " no answer ''. I answered my phone XXXX XXXX PT from XXXX with a woman who identified herself as " XXXX '' from Vengroff. She stated that I had been leaving message with the wrong office, so she did not get them. I advised XXXX that I was at work and I would be open to calling her tomorrow, Friday XX/XX/XXXX. She stated that I could call her using the # on my caller ID and that her office is very busy and small. That someone would get back to me when they could. The biggest concern I had with the phone call is XXXX advised me that it was a recorded line ; however, she did not utilize the Mini Miranda or advise that she was attempting to collect the debt. 

XX/XX/2019 Forward Business Response to Customer XX/XX/2019 Receive Business Response Vengroff Williams has investigated has reviewed the complaint. Our offices has attempted to contact the consumer at the number provided and reached no answer. The consumer may contact our offices @ XXXX or XXXX XXXX XXXX to XXXX XXXX  EST. 

XX/XX/2019 Notify Business of Dispute XX/XX/2019 Send Acknowledgement to Consumer XX/XX/2019 Case Reviewed by XXXX XX/XX/2019 Case Received by XXXX ( Less ) Case Description : Obtained notice of a debt by XXXX XXXX provided to VWI. Attempted to call VWI 3 times over a 3 week period with no response to resolve. Left VM Purchased a sales agreement from XXXX XXXX on a XXXX XXXX. When the car was stolen, the vehicle service agreement reimbursement was wrongfully issued to me ( per XXXX ). XXXX turned the proposed debt to Vengroff Williams Inc. I received notification of the debt in XX/XX/2019. I have lft VM 's for Vengroff at XXXX ( which states a medical billing service ). I have talked to XXXX XXXX that states they can not work with me that i must go through Vengroff. Neither entity is willing to help me resolve an issue that XXXX initially created in their own error. Credit is being damaged and I received a collection letter at my place of work. XXXX is being uncooperative and Vengroff is being unresponsive. 

Extra Detailed Info Date of last interaction with business : XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: NH

Complaint narrative:
XXXX is validating information form a creditor that is false. I asked for credit applications, signatures, bills etc from the creditor, they did not produce them and XXXX validates bogus information. 

They also report on things that were paid off and do not update. properly. They also will not let me re dispute, so it stays on my good name without any recourse to 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 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This is a fraudulent debt I have no knowledge of. This has been effecting me for to long and I know nothing about it nor did I know I could dispute it. This needs to be removed or take me to court so I can prove it is not me. Someone has either use my name and social security number or whoever says I owe them is fraudulently trying to get money from me. Court is a good place to prove it one way or the other that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Unethical Bank - DENIED me access to my CD and savings account online unless I agree to " paper statements ''. 

Forced to telephone to get access to online account. Then person claims can agree. 
Dishonest to deny full-time access to online account. 

Representative did not know when account would allow me access but would send request to not select paperless option. 
Still account access my {$250000.00} account. 

Second problem : Highest CD withdrawal penalties in the nation at 270 days. 

MY goal : Leave this dishonest institution when my CD is UP! 

" Withdrawing Your Electronic Acceptance of Documents You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent by contacting us at XXXX ( XXXX ). 
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality with respect to your Products or complete actions with respect to your Products online. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
So in XXXX to late XXXX of 2017 I received a mail notice pretty much saying i qualified for loan through this mobiloans website. I live in California and was going through financial issues so I figured that this would help relieve some of the burden of expenses that kept building. So I applied for loan and was given credit line of XXXX I believe, and every two weeks they would deduct money out my account to go towards what i loaned. However what I didn't really pay attention to was the amount of fees that my payments were going to rather than the amount that I borrowed. Every two weeks I make payments because it comes out of my account automatically and I borrow here and there but after doing the math of how much I have borrowed ( XXXX over time XXXX ) and how much I have already paid back ( XXXX ) I have paid back over XXXX in just fees which is a complete scam. I still have a balance of XXXX but current principal balance of XXXX ( which is amount of money i actually owe ) but with the fees they tack on every two weeks 60-80 % of my payment goes towards fee and the remainder towards the actual principal balance. I have been paying this balance down ever since I pulled but this is getting ridiculous and probably is illegal to tack on fees every two weeks that a payment is made. I am not really sure what to do in order to resolve this but this is definitely a setup to pretty much never be able to pay off the amount of money borrowed and if I'm not mistaken I believe its illegal to charge over certain amount of fees when issuing payday loans which is what I have.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I have had accounts hit my credit for hospital bills for my son which I provided his insurance to the hospital the bill is for XXXX I have requested a copy of the bill have not received a copy of any thing also have a few other medical bills in collections that I have also requested copy of bills again not received anything have tried to dispute have also told the on one of the account s the address does not match the address I have lived at for 8 years now also just got hit with another medical bill XXXX dollars I believe not sure for wat have not received any bill for it can't file identity theft cause I don't know the information to do so I was informed some one went into the hospital using my info but when I requested info on it the stated due to XXXX laws they can't provide me the details of the account

Company response to consumer: Closed with explanation