vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I'm a current XXXX customer. I was living in XXXX and using their service. I then moved to XXXX  and remained a XXXX   customer. However, in the process I was told I would have to open a new account but my login information would be exactly the same as it was before, it would just be a new account number. I continued to pay my bills on time on the new account with no issue. Apparently there was an amount due on the old account but I had no knowledge or communication from XXXX  that there was money owed on the old account ( because I could not log into that account anymore since my login directed me to the new one ). I was never told there was an issue with my account ( no written letter, phone calls, emails etc. ) until it went to collection. I paid the collection but now I have a derogatory mark on my credit report that is affecting my ability to receive credit. I have told XXXX this issue and they do not want to help me. The collection agency was Diversified Consultants Inc. who have a relationship with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

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 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have a credit card account with XXXX XXXX. I have two bank accounts set up for my monthly payments. Back in the fall, my daughter 's XXXX account was compromised on a game and charged over 100.00 in XXXX charges. I filed a fraud claim and the money was refunded and then recharged to my account. I asked for this to be updated and resolved through the resolution center numerous times to no avail. 

Then I paid an account with XXXX XXXX for XXXX and it was charged to a Paypal account instead of a XXXX XXXX account. We do not have a Paypal account, we did not sign up for this nor have we ever used it. They tried to take money out of my accounts 3 seperate times, which resulted in XXXX fee each time for a total of XXXX. I asked them to resolve this error for 3 weeks straight. Paypal then credited my Paypal account ( which I do not have ) with the XXXX and left me to pay the remaining XXXX. 

I contacted XXXX XXXX and Paypal never paid them, therefore I paid the balance due to them immediately. 

Paypal will not let me remove my bank accounts as well. The system always says error. 

so Paypal has me paying XXXX for nothing and did not credit my account correctly. I have asked numerous times for this to be corrected and now received a collection notice for XXXX which is not even my charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I owe a debt to XXXX. I know I owe this debt but right now I am financially strapped and do not want to talk to them. I have talked with them in the past and worked with them. We made a payment plan if I paid so much per month they would credit my account but realistically, they did not. 
So after our agreement was up, I stopped paying them. Between late charges and interest fees, I have paid them three times the amount I owe. 
So, they started calling all my relatives and friends starting late in XX/XX/XXXX. When they called my mother, I called them back and told them to stop but they have not. They have called my daughter out in Wisconsin and my son in Iowa. 
XX/XX/XXXX they began to call my sister on a cell phone she just recently purchased. She told them to stop. 
They call my house a minimum of 6 times a day starting at XXXX in the XXXX and call about every 1.5 hours up to about XXXX XXXX  and use all different numbers.

I understand I owe them money. I will pay it when I can. I plan on writing them a letter to tell them to stop calling and harassing me and my family but please something needs to be done now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage. 

Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work. 
These people are liars and ruin peoples 's lifes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax is reporting inaccurate information on my credit file and i can never submit a dispute online due to inaccurate security questions and answers. I know my personal information and the answers i provide doesnt match up with their inaccurate answers and its been causing damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
OnXX/XX/XXXX, and XX/XX/XXXX, through on line banking from my bank ( XXXX XXXX ) two payment of {$50000.00} EACH, went to a closed the CITIMORTGAGE  account, ACCOUNT # XXXX, the trace number for each transfer is XXXX processing Dated XX/XX/, with code of XXXX, and another one with trace # XXXX Dated XX/XX/XXXX 
The XXXX XXXX and their 3rd party on line banking can not get any help or respond from citimortgage to return the money bak. 
they have been trying formXX/XX/XXXX till now and no respond is giving to the,. 
I have called and faxed many times to citi morgage representative and send many request, to get my money back to my account and unfortunatley did not get any respond back from the. 
citimorgage Tel # is XXXX XXXX, and their Fax # is XXXX thanks 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 2018-03-19 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: OH

Complaint narrative:
I been having Issues with Equifax since XX/XX/XXXX I have fax numerous of faxes totaling 16 pages each time. Every time I contact Equifax someone telling me they did not received my fax or Equifax customer services rep will tell me they only receive 3 pages. Its nowXX/XX/XXXX. Issues have not been resolve. I been faxing paper work over to Equifax everyday day. Im a victim of identity fraud also I was effective by their Equifax breach. Equifax has numerous of credit inquiries on my correct report, a 2 collection and a bankruptcy 13 including inaccurate accounts that are fraudulent, which does not belong to me. I provided all the documentation Equifax need ( including a police report, a copy of my social and driver license, also all items which are fraudulent and need to be remove immediately. I have been dealing with this issue for three months now. This has effective me in some many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.

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 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/18 I made a transfer to XXXX XXXX for {$600.00}, address ; XXXX XXXX XXXX XXXX AL XXXX. XXXX # XXXX at Wells Fargo Bank. It was online banking, then I called XXXX XXXX XXXX to let them know about the wire transfer, the employee told the wire will be rejected since I didnt have the wire code for Wells Fargo and I was suggested to redo it, which I did. I couple days later, I checked my account I saw the was sent twice. I riched out to XXXX XXXX XXXXXXXX to find why this was happened. They recalled the second transfer and Wells Fargo said the receiver refused to send the money back because he said he received the money twice Wells Fargo made him pay {$3.00} because of the recall

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 2018-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: IL

Complaint narrative:
Equifax Credit Bureau has listed Tax Liens both Federal and State as well as a discharge in Bankruptcy which is clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds as well as US Bankruptcy court have provided them with negative public record as seen on my report. I have enclosed documentation which show the credit report as well as documentation from the court system that indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. Equifax receives its public information into a database and then sell it to the credit bureau. THIS is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a Court or Recorder of Deeds when it is actually obtained from a 3rd party. Multiple letters were sent to Equifax who indicate that there information has been validated and refuse to remove these items from my credit report. 
Public record : Court Name : Federal Government Date filed XX/XX/2012 Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.

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 2018-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was applying for a new credit card answered every question then it said log in to another bank account to confirm something so I loged in and it said that I would not be aloud to use my bank with any other apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX sent an electronic check in the amount of {$930.00} to Wells Fargo in my behalf toward a home mortgage. 
On XX/XX/XXXX the {$930.00} was refunded to my bank account I was contacted mid XXXX by Wells Fargo stating that I had not payed my mortgage and that their system had changed. They would no longer be accepting the E-Checks and I would have to resubmit paper checks to a new address for mortgage payments. 

On XX/XX/XXXX I notified XXXX of the changes and resubmitted two paper checks ( both ) in the amount of {$930.00}. 

I was contacted mid XXXX by Wells Fargo stating that they had not received my mortgage payments and that I was now three months behind. XXXX XXXX XXXX were notified and got in contact with me recommending that I place a stop payment on the checks that " they did not receive '' and make new payments. 

On XX/XX/XXXX XXXX provided me with printed copies of the paper checks signed and payee endorsed by Wells Fargo on XXXX XXXX XXXX and told me that they could no longer place a stop payment on these checks. 

On XX/XX/XXXX After weeks of futile talks with Wells Fargo Reps on the location of my money I sent a fax ( upon their request ) of the copies of the endorsed paper checks. 

On XX/XX/XXXX I made a follow up phone call to see if they had received the fax. I was told that they were investigating the case and that no further information could be given pending completion of send investigation. They estimated completion by XX/XX/XXXX. 

On XX/XX/XXXX Still having not heard from Wells Fargo, I made a follow up call and was given an e-mail address to one of the " investigators '' and told to send him an email detailing what was going on. I am currently waiting for a response ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: TX

Complaint narrative:
Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.

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 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX  ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time or to my address.

Company response to consumer: Closed with explanation