vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.

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 2018-11-08 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: CA

Complaint narrative:
XXXX  XXXX account number XXXX Date opened is inaccurate : XX/XX/2018 and also Amount Past Due reflecting {$1600.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report XX/XX/XXXX and I found 5 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 


1.XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4.XXXX  XXXX XX/XX/XXXX 5XXXX 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 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In mid-XX/XX/2018 we began the process of applying for a home improvement / cash out refinance loan to replace the roof on our home. 
We approached our current mortgage holder - XXXX XXXX - and our local bank where we hold our accounts - Chase - for their best rates. 
XXXX. XXXX offered us very favorable terms, but when we presented these to the Loan Officer at Chase he agreed to undercut their fees by several hundred dollars. 
We, therefore, opted to proceed with our application to Chase. 
In early XXXX we proceeded with the application, income verification and appraisal process. 
The Chase XXXX XXXX indicated that we had been tentatively approved. 
Late in XXXX, however, the Loan Officer phoned and informed us that Chase would not make the the home improvement loan because the home needed some repairs - namely the roof - which we had indicated was the purpose of the loan from the beginning of the process. 
After several days we had not received any notification in writing about their adverse decision. I spoke with the Loan Officer who indicated that a letter would be forthcoming. 
A couple of days later we did receive a letter from someone we had never met nor dealt with who indicated that he 'was sorry that we had withdrawn our application. ' We did not withdraw our application. I spoke again with the Loan Officer who, once again, assured me that the proper letter would be forthcoming. 
Today, XX/XX/XXXX, I received a letter in the mail - again from the same fellow who we have had no dealings with - stating that we had withdrawn our application. 
Let me state unequivocally that we did not withdraw our application either in writing, verbally, expressly or otherwise. They simply have turned us down. 
Despite several attempts on the phone and by email we have attempted to get Chase to provide us with the required letter explaining the reasons for their adverse decision. They seem unwilling to provide one - we can only speculate as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim on a transaction for {$87.00} with the bank. After filing the claim I was given provisional credit, however the bank is not willing to waive the fees associated. There's {$70.00} worth of overdraft fees that are causing financial distress. 

The bank claims that they're going to deny the claim because it's outside of XXXX 's guidelines, however they're unable to quote specifically which guidelines and why they're unable to waive the fees.

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 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, California XXXX I sent a letter for debt validation of the underlying deficiency. 
They sent statements with the wrong address and no proof legal notice of repossession or resale of vehicle. 
It it reporting erroneous information on my credit report. 
I will like this matter resolved it had been almost 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
THIS ACCOUNT WAS PAID IN FULL IN XX/XX/2017 AND MR. COOPER FILED A RESCISSION OF SATISFACTION MEANING THEY CANCELLED THE SATISFACTION. I NEED THE SATISFACTION RECORDED AND A LETTER STATING THE ACCOUNT WAS PAID IN FULL. rescission means the revocation, cancellation, or repeal of a law, order, or agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: CA

Complaint narrative:
XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 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: AZ

Complaint narrative:
I currently have 19 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. 
The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting 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 2018-11-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.

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 2018-11-08 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: CA

Complaint narrative:
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union,  XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2018-11-08 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
Paid a collection balance in full in agreement that the collection agency will remove and delete all reportings. The agency is still reporting a negative account after they were paid off.

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 2018-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?

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 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is regarding the currency exchange I made at Chase Bank branch at XXXX XXXX XXXX XXXX, NJ XXXX, on XX/XX/2018. 
I asked to exchange about XXXX US dollar to XXXX Krona. I asked about rate. The bank teller hesitates a while, and said I could exchange XXXX Krona for XXXX USD with the rate about XXXX. I asked if there is any other fee. The answer is no. As a longtime Chase Bank customer, I did not think much. I took the receipt after the teller placed the order, and leave. 
I looked at the fine print on the receipts later, and found that it says the rate includes commissions. I went online and did a quick calculation. Based on the published market exchange rate at that day, XXXX Krona equals to about XXXX USD. So the exchange rate from Chase Bank is over 11 % higher. 
I think it is cheating by including high commissions into the exchange rate, and not informing the customer about it in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08 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: FL

Complaint narrative:
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called Wells Fargo and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called Wells Fargo, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.

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 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card

Company response to consumer: Closed with explanation