vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 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: GA

Complaint narrative:
I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/XXXX I transferred a {$720.00} balance from a XXXX XXXX XXXX credit card to a US Bank card. I paid the applicable transfer fee. The APR would be 0 % until XX/XX/XXXX. In XX/XX/XXXX I used the card to buy a sandwich for {$3.00}. I've noticed they started charging me a minimum interest fee of {$2.00} each month even though no purchases were made after that. I have made timely payments for more than the minimum amount. I called this morning & was told that since I bought this sandwich I would be charged {$2.00} interest each month and the only way that would stop was to pay the entire card balance. I asked them why I could not apply part of the monthly payment to any purchases & the rest to the balance transfer & they stated that was not allowed. I have a copy of the letter they sent me when I made the balance transfer & nothing is said of this. It is an unfair & misleading business practices since I am not allowed to pay on the purchase with a higher interest rate than the balance transfer amount which has a 0 % rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I talk to Experian Credit Bureau, I have attempted in the past several times to clear the fraud alert they have. I send them a certify letter with my information, which they say they never received. I call them several times to clear my fraud alert. They never clear it. Today I call them again, and today they register my phone number after all the calls I made before. Until today they finally register my phone and they have register it in the file. I have 3 reports of Hard Inquiry from XXXX XXXX XXXX that I told Experian to take off. Since I am a leasing a truck with them. It is not necessary to have those since I was not aware of the fraud alert. Plus I only have the fraud alert with Experian. Since my score went down because Experian fault. Need them to erased them so that the Financial Institution can run as when my credit score was above 700 to get approved. 

Please help me again on doing this and telling Experian they dont have the right to ruin my credit score,  since XXXX XXXX   only works with Experian 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 2019-07-01 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: IL

Complaint narrative:
Checked credit report and noticed two unauthorized accounts on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
Companies like XXXX are distributing 20 year credit reports which are being utilized by illegally staffing agencies, housing, and other types of businesses. The credit reports are highly inaccurate and do not display current information. The information is not current and does not have the correct information on it. Under the Fair Credit Reporting Act, credit and collection agencies reporting for Texas can only run credit reporting for a four year period starting from the current year to the previous three years. Housing can only run a two history starting from the current year to the previous year. I am receiving calls from individuals on car warranties on vehicles that I haven't owned since 2001.

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 2019-07-01 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: GA

Complaint narrative:
I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately

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 2019-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately

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 2019-07-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Checked credit report and noticed two unauthorized accounts on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Selene Finance LP
State: MO

Complaint narrative:
Had XXXX XXXX XXXX sell my loan to seline finance in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with XXXX  but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was XXXX XX/XX/2014. 
Since XX/XX/2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Ive been with boa for 15 years and this is no way to treat a long time customer. When my grandmother got her ss check XX/XX/XXXX ) she wrote me a check for {$100.00} for the money she owed me. Well on XX/XX/XXXX I have a {$100.00} and a {$12.00} chargeback fee. Apparently her check had bounced. Well my aunt ( whos always cleaning up my grandmothers messes ) turned around and wrote me a check for {$200.00} so I wouldnt have any negative impacts bc of my grandmothers bad check. I see today XX/XX/XXXX that boa has extended the hold from XX/XX/XXXX-XX/XX/XXXX. Thats a total of 13 days they are holding this little {$200.00} check!! Are you freaking kidding me?? Not only did I get charged a {$12.00} fee bc of HER bad check but now I have to wait 13 days for {$200.00} to be available to me? Today XX/XX/XXXX I spoke to 1 cs rep and 2 mgrs. All 3 said same thing- nothing we can do. Im beyond XXXX and want this resolved 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 monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I called today after never having gotten a bill since well ever I had been given a summons back on the XXXX tried calling to see whats up finally found out who and where this debt collector is credit management inc in XXXX XXXX nebraska anyways called today lady on the phone said I need to pay attorney fees which even in the summons states they can't collect ( I have it recorded if that helps ) after I asked she became real rude and back pedaled she also would not give me a straight answer just for the sake of asking I requested whatever the total amount would be she kept saying XXXX plus some amount she does not know which makes me really question how I should know if this is even a legit thing. Last of all I don't even recall going to this place they say I got treatment but yeah can they just hang over my head an undisclosed amount? I looked it up and seems like they really exist but there is multiple issues even a class action lawsuit against them for violating stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This is my second complaint regarding my savings and checking account with Citibank. They put me through the wringer trying to close my accounts a couple of months ago because I didnt save my ATM card and I was told everything was linked to the ATM card. They also would not honor the promotional program I signed up for, they said the program was totally different than the one I signed up fo.r. After I lodged a complaint, they gave me my money ( XXXX ) and I wrote to them to close out both accounts. On XX/XX/19 I verified online that the Savings account, # XXXX, was cancelled, as I never got an acknowlegement in the mail. Today I get a statement for the savings account showing a monthly service fee of XXXX and an overdraft fee of XXXX for a total amount owing of XXXX. I reiterate, on XX/XX/19 the online account showed that the account was closed. I just got off the phone with XXXX, XXXX and he said he will remove both charges and close out the account, however, I would still like to make this complaint, as it is sneaky and it if weren ; : t for me calling and telling them I was making this complaint I do not believe they would have fixed it. XXXX gave me some ridiculous reason for this but I know what I saw when I went online to verify the status. I would lke this complaint made for unfair business practice and sneaky business practice.

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 2019-07-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DLRSVC/WACHO ACCT # XXXX is what i'm having a problem with at this time. They have late payments showing in XX/XX/XXXX and XX/XX/XXXX which is not accurate. I've tried to talk to them and have it corrected but they refuse to assist and make it right.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Friday XX/XX/XXXX they cashed an unauthorized check for XXXX. They frooze my account and have added numerous nsf fees. The check that was cashed did not have a legitimate signature on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 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: Servatus Corporation
State: GA

Complaint narrative:
Credit Solutions Corp is reporting an incorrect date on two accounts that originated with XXXX XXXX XXXX XXXX XXXX. I took both loans out between XXXX. I had a financial hardship at the time and was not able to pay. The last payment no later than XXXX maybe XXXX. Credit Solutions Corp in a effort to capitalize on my situation has the date of XX/XX/XXXX which is completely false. I want them to provide proof of a payment made on any of the two accounts in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I scheduled a Bill Pay for {$2000.00} to my Wells Fargo Visa on XX/XX/2019 via my online Wells Fargo Checking Account. Wells Fargo then misdirects that bill pay check to XXXX. XXXX sends me an automated letter stating they don't have an account for me. I contact Wells Fargo to have them correct their error, but they misunderstand what has happened and they say it is online fraud, thus shutting my account down and creating a new checking account. 

After speaking with several people in the online fraud department, they confirm that it was an error by Wells Fargo. However, after that confirmation, I receive a letter on XX/XX/2019 stating that they have determined that the transaction was made by me, or someone who had my authorization. Again, this is an error on their part. That {$2000.00} bill pay transaction was made by me, but was supposed to go to my Wells Fargo Visa, as proven by the account number on the bill pay transaction. 

Then, after speaking with several more people in the online fraud department, I receive another letter on XX/XX/2019 stating that Wells Fargo made no error, but that they wanted to help me resolve the issue. Oh, and they finally give me a claim number, so I call them several more times, but to no avail. 

Then I receive another letter on XX/XX/2019 stating that they have closed the claim, while also stating that I deleted the XXXX Payee Information on XX/XX/2019, while totally laying the blame on me? Wells Fargo also tells me that the Online Claims Department has contacted XXXX to confirm that XXXX cashed the misdirected check, and that I can expect the {$2000.00} check refund from XXXX with 7-10 business days. 

I have called several times more, argued with more people in online claims, and I still have not received the {$2000.00} I am owed as of XX/XX/2019. In fact, they have now made it so I can't even call them, so now I must go to a local branch to discuss this with them. And to add insult to injury, a Wells Fargo agent has called a Health and Human Services Social Worker to visit me to insure someone isn't abusing me? Wells Fargo has repeatedly lied to me and now they are trying to stop me from proving that it was their error, not mine. Wells Fargo has stolen {$2000.00} from me and they won't give it back.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Had bank of America sell my loan to XXXX XXXX in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was discharged XX/XX/2014. 
Since 2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, 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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Had XXXX  XXXX XXXX sell my loan to XXXX XXXXe in XXXX after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter 7 bankruptcy, which was discharged XX/XX/2014. 
Since XXXX, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, 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 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This inquiry is regarding credit card interests as it pertains to citibanks consent order XXXX XXXX. I would like to have my shell credit card account reviewed pursuant to this order. I have called Citibank and Shell,  and my phone call was passed on from representative to representative. 

As a potential affected consumer and pursuant to Consent Order, File No. XXXX, please review this account for the following time period XX/XX/XXXX- XX/XX/XXXX and beyond as appropriate. Shell account ending in 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 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
the cbe group or XXXX cable is attempting to collect a debt XXXX XXXX from me that I do not owe.I have no notification from either company concerning this matter.I do not have an open account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Acceptance Corp
State: NJ

Complaint narrative:
This company ( Merchants Acceptance Corp. ) keeps reporting a collection account on my credit report without sending any type of validation of this particular account. This collection account shows that it was opened XX/XX/2016 with an amount of {$2500.00}. I have sent multiple dispute letters to credit bureaus and collector to verify account and I have not received anything in return. I'm in the process of buying a house and this account is not allowing me to get a approved for a mortgage. Please remove this account from my credit reports.

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