vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2018 I wrote Equifax a dispute letter on the status of my credit report. I found multiply errors on my file and ask for Equifax to fix. Its has been 60 days now and i have not received a copy of my credit report and the fixes Equifax did hurt my score more than helped my score. Since Equifax had a data breach I was affected and they have given me credit monitoring through their site at XXXX. At this point I am following up with my letter to Equifax by filing this complaint to the CFPB. My next step is to file a lawsuit in federal court over several violations of the FCRA. What Equifax decided to do was to reboot my file from a current date in XXXX. After that hardly any files have been updated and many new creditors have been added to my file. My score would / should be at least 30 to 40 points higher. Im at the point of no return its just time to file the lawsuit the erroneous condition of my credit file can not continue to be represented as my current profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website. 
I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
XX/XX/2018 I sent money to my friend in New York by XXXX. 
Unfortunately the money I sent was exceeded New York State limit, therefore my friend could not pick up money I sent.XX/XX/XXXX& XXXX I called XXXX for refund, but they kept saying money is available for pick up, and my friend visited several times XXXX store to collect it, but he could not because exceeded State limit. Finally XX/XX/XXXX XXXX Customer Service told me my money will be refunded, then I went XX/XX/XXXX store where I originally sent money to friend and asked refund then XXXX  Customer Service tried to refund my money for two hours but XXXX system did not allow to refund by XXXX, finally XXXX told XXXX Customer service 36 hours cooling period for refund. 
Therefore today, XX/XX/XXXX I visited Walmart store for refund, so Walmart XXXX XXXX negotiated with XXXX, but I spent one hour same excuse another 36 hours, so come back Monday, XX/XX/XXXX. 
This is XXXX 's systematic extortion of general public. Clearly this XXXX business XXXX is conducting. This is why I filed complain to get help from CFPB in order to deal with Minnesota XXXX. 
Note : XXXX XXXX reference # XXXX, Refund reference # XXXX gave to XXXX  XXXX, this # is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: MD

Complaint narrative:
Hi, My name is XXXX XXXX. I have had an unauthorized inquiry on my credit file from a company in California named 'XXXX XXXX ' on XX/XX/XXXX. The company had used the services of the company XXXX XXXX to do so. Having learned about this, I contacted both XXXX XXXX and XXXX to have this issue looked into and resolved by having the unauthorized inquiry removed after they concluded their internal investigations.

To an extent, this exercise was successful as both companies had worked in conjunction with me and had issued notices to the XXXX, XXXX, and Equifax credit bureaus. By XX/XX/XXXX, both XXXX  and XXXX promptly removed this unauthorized inquiry from my file. Equifax did not.

I, alongside XXXX XXXX and XXXX, have since worked with Equifax to have the same inquiry removed from my reporting file, but to no avail. I have spent hours upon hours calling their customer service lines, talking to their frontline representatives and managers in the XXXX until being transferred up the command chain all the way in XXXX, GA, who by now know my name and all details very well. But continue to dodge, ascertain and impress upon me that the inquiry was legitimate, despite the agency XXXX XXXX, explicitly doing the needful and resending confirmation via my fax and postal mail many times over of their mistaken inquiry.

Every Wednesday and Friday since XX/XX/XXXX, to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry, after plentiful verification was submitted to them, by me, XXXX, and XXXX XXXX. Yet, to the day, Equifax, refuses to remove the corresponding inquiry from my credit file.

Please help.

I can be reached on my cell at XXXX, or via my email at XXXX.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
OnXX/XX/XXXX I applied for a total and XXXX XXXX   Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX  to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

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 2018-04-07 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: IL

Complaint narrative:
I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

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 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT

Complaint narrative:
Wakefield and Associates , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX ) sent me a letter on XX/XX/XXXX seeking to collect amounts allegedly due to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX   ). I responded to Wakefield 's letter onXX/XX/XXXX and disputed the amounts claimed due by explaining that the amounts were either paid to the original creditor, or the amounts were so old that they were barred by the statute of limitations.

Prior to the XX/XX/XXXX notice, I had contacted XXXX XXXX on XX/XX/XXXX, to dispute the amount due because I had received some sort of debt collection letter. I advised XXXX XXXX that the amount was paid, in fact, their system reflected a credit balance of {$190.00} ( it does not today ). I requested that this amount be applied against the balance due. They did not apply it, nor did they refund the money to me.

I was surprised when I came home today ( XX/XX/XXXX ) to find a letter datedXX/XX/XXXX from the Wakefield firm again seeking collection of {$320.00}. This letter detailed the amounts that they were attempting to collect, with the 2 oldest dates reflected as XX/XX/XXXX, and additional service dates in XX/XX/XXXX. They also provided additional documentation that appear to be invoices and a billing summary from XXXX XXXX. However the billing summary does not contain information to reflect the running outstanding balance, nor does it reflect the credit of my check ( # XXXX for {$190.00} ) that was cashed by their office on XX/XX/XXXX.

I will be responding to the most recent Wakefield correspondence by providing documentation supporting my dispute. Since it took them over a year to respond, I am seeking the assistance of the CFPB to eliminate further collection of this debt.

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 2018-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds
State: NV

Complaint narrative:
United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX I went shopping at a XXXX XXXX on XXXX and XXXX XXXX and XXXX XXXX XXXX, later that day Between XXXX I stopped at chase on XXXX XXXX XXXX to take out XXXX for my rent I got on the train after I got off on XXXX XXXX XXXX XXXX walked to XXXX to my mother house and at XXXX I received a chase text alert I replied no once I seen the message and immediately called chase bank to dispute the charges. At the advice of my sister After Work I went to the precinct by my house on XXXX they told they couldnt take my report because it didnt happen in that area, they referred me to another precinct who also sent me to a different precinct. I got in touch with the district attorney office and they referred me to the correct precinct where I filed a report. The detective a signed to the case wasnt any help and even told me a case like this is like baby sitting to him. The last I spoke with chase they said that during the times the money was being taken out I was also shopping in stores which is not true because I was at my moms house I told them the only stores I went into was XXXX XXXX   XXXX XXXX. I have spoken with 4 chase representatives and they have stated that the daily limit to withdraw at a atm machine is between 8-1000. I myself had to go to a teller to take my rent money out which was XXXX, so how can XXXX come out of a atm machine in such a bad area of XXXX? And why would chase only send me a text alert asking about 20 dollars when all together it was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a court statement that I'm being sued by a company that I never had business with. Or know anything about. After I received this letter Docket number XXXX, with old Citibank statement. I immediately called Citibank on XX/XX/XXXX, to find out what was the court letter for. Citibank customer service was not able to talk to me, but transferred my call to this number : XXXX XXXX. I spoke with one of their customer service representative who than informed me that Citibank sold my dept to them on XX/XX/XXXX, at that time I questioned her if that was the case how come I was never informed or received a letter from Citibank or from her company as a debt buyers before until a court order to reply to the company I don't know about. she said they have been calling me. They did called me each time I answer the phone and Identified myself Immediately I was asked to provide my social security number so they know they are talking to me. I always tell them that I can not provide such information on phone especially when the caller called me due to identity theft. After during our conversation I was provided with another phone number to speak with another party : XXXX. I spent so much time asking questions. I was told that they sent letters witch I never receive and phone calls without voice messages to identified who they were. My question is what is my option here? How do I go about this in court. I know I had contract with Citibank not a third party.

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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRSTBANK
State: CO

Complaint narrative:
On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

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 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
First Reported XX/XX/2013 Original Creditor XXXX XXXX XXXX XXXX " MULTIPLE '' negative entries on my credit!!! I do not owe this. I want these multiple entries removed from my credit report!! I also want XXXX XXXX XXXX  reported to the XXXX XXXX XXXX  for this! Unethical business practice XXXX!! 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.

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