vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX, I applied for an credit card with Wells Fargo Bank. The account was to be used for a balance transfer. The amount of the transfer I requested was XXXX. I was given a credit limit of XXXX dollars. I requested that this transaction go to XXXX XXXX XXXX. I provided Wells Fargo with my Card number. After waiting approximately three weeks I noticed that the new Wells Fargo account showed the XXXX dollars on my statement, but I did not see any credit for that amount on the XXXX XXXX account. I spoke with Wells Fargo customer service and found that they had transferred the money to the wrong account. It seems that there was an error in the last digit of the account number. XXXX  XXXX stated that the number they used was non existent. Wells Fargo does not want to take responsibility for this error even though they were the ones who did the transfer. I have been trying to get this resolved since XXXX to no avail. I am currently paying both financial institutions. I want Wells Fargo to credit my account. This is putting me in a real bind. I am a senior with very limited income. I am hoping you can help me with this issue as I am getting nowhere and I have been making double payments. I hope I explained this in a way that you can understand if not please call me. 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 2019-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I received a letter from Renton Collections Inc. lawyer. On Wednesday, XXXX XXXX, I called in to Renton Collections in attempt to figure out what some of the account were as I did not recognize them. I was transferred to a XXXX XXXX who laughed when I told he that I wanted to know more about the accounts. She said " oh that's funny because you have already paid on these accounts. '' ( I had not ) she continued to tell me that I had paid them and that I clearly knew I owed these debts. She began raising her voice and continued to state I know these debts are mine. She then told me it didn't matter because they were already at their ( Renton Collections ) lawyer. She ended the phone call. I attempted to call back and was tranferred to someone else who has still not called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: AR

Complaint narrative:
Hello, The following account ( s ) were never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XX/XX/2019

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 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for an American Express Delta SkyMiles Gold credit card in late XX/XX/2019 which was accepted ans an account was opened in my name. I applied for the card in part because of a welcome offer they had stating that they would apply a statement credit of 50 % up to the amount of {$300.00} for purchases made directly with Delta within the first three months of the opening of the account, when using that card. 

On the XXXX XX/XX/2019, I in good faith, purchased a hotel stay on the XXXX website in the amount of {$690.00}, in the knowledge that I would then see a {$300.00} statement credit applied to my account in due course. 

After nearly 3 months of waiting for the credit to arrive I contacted AMEX early XXXX to ask where the credit was and when it would be applied. I was told at the time of inquiry, that I was eligible for the offer and I should wait a few more days for the credit to arrive. After more probing of their customer service team via their customer service instant chat facility, I was told the next day or so that I had not made a qualifying purchase and therefore not eligible for the offer after all. 

Before making the booking directly on the XXXX website, I had read the terms and conditions of the offer provided carefully to ensure I adhered to every stipulation laid out in the complete terms and conditions provided by AMEX to make sure I would indeed qualify. 

Apparently and unbeknownst to their customers AMEX considers hotel bookings purchased through the XXXX website as a 3rd party transaction. Even though I did not deviate from Deltas website, nor did I know I was purchasing a service from anyone else other than XXXX, I somehow fell foul of a clause that was not stipulated in their legal terms of the offer. The lack of providing this information in their T & Cs is at best, negligent and at worst, fraudulent! 

I wish to receive what is rightfully mine, my {$300.00} statement credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have had a XXXX with XXXX XXXX XXXX which can be used anywhere not just XXXX XXXX XXXX Since 2007. 

I have been making my payments, but the minimum payment went up and it is a financial struggle for me. I have called every year asking for a review to get my payment lowered. Each time I Am told there is no lowering of my payment and will not be lowered. I pay {$180.00} month just for a {$5300.00} credit card. I calculate the interest paid over the past 12 years, I have paid at least {$12000.00}. Since the balance is less that, I don't think I am asking for a lot by asking for a lower payment. 

I am XXXX and wanted to retire soon. But with this payment I am struggling. 

I am on hold waiting for a representative now. We will see how long this " Customer Service '' takes. * UPDATE I was just told that '' there is no lowered payment. '' The person who I talked to was a supervisor named XXXX. He was not able to lower the interest or the payment. He did say there is s program that can close the account and make payment arrangements. This would negatively affect my credit so that is not helpful.

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 2019-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: OH

Complaint narrative:
I received my benefits on my Direct Express XX/XX/2019. At XXXX I withdrew {$250.00} from my account at an XXXX ATM. I had a balance of {$45.00} left in my account. On XX/XX/2019 at XXXX I ordered food from XXXX XXXX XXXX  XXXX for {$23.00}. that left me with a balance of {$22.00}. On XX/XX/2019 at XXXX I slid my card for some XXXX XXXX XXXX in the amount of {$8.00}. On the XXXX of XXXX when I called to check on my benefits due on that day. I was unable to check my balance and wasn't able to use my card to make purchases. I have been trying to contact Direct Express since XX/XX/2019. Direct Express has been unreachable they have not sent me anything in the mail or via email. The past couple months has been very difficult not being able to receive my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: AR

Complaint narrative:
Hello, The following account was never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Ref # 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 2019-11-23 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: AR

Complaint narrative:
The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : XXXX XXXX Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a chase account on XX/XX/19 for my student aid refund to be deposited into the account. 

On XX/XX/19 my federal student aid refund of {$6200.00} was electronically deposited to my new chase account directly by my school who issued my student aid. 

Within a day or so my funds and entire account had been placed on a security freeze.do to suspicious activity. I had spent less than {$100.00}. 

Chase said I must go in to a branch and provide ID to verify my account. 

I planned on verifying myself as soon as my XXXX XXXX got better. I was and still am extremely sick. 

Within 2 days my account was closed and chase says theyve suspended my funds and arent required to return them. 

These are federal benefits that are supposed to be protected from such seizures by banks and other creditors. 

Now aside from filing this complaint I dont know what else to do besides seek legal representation and action against Chase for return of my financial aid. 

I am stunned and disappointed this is how they handle their accounts and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2017 i cosign on a car loan. which was approved but when doing the terms on the contract what they did was include the borrowers bad credit score when they made up the terms. just recently i found out that they were charging in interest fees. they new that by including borrowers bad score that it would bring interest rate sky high. had they just used my score which was in the 700 's this would not be happening. in thinking back i remember the forms i recieved but do not remember recieving the terms to the contract especially with that high interest. i would not have excepted those terms. i contacted them on the XX/XX/XXXX to ask why was the interest so high and thats when i found out that they included borrowers score as well. i ask for the contract to be sent. on the XXXX i ask again for the contract, still have not recieved it and on XX/XX/XXXX i called again. so im having problems getting the contract. in speaking to the rep at santander she inform me that they did not make up the terms of the contract that it is done by the dealership, they just do the financing, so she is blaming the dealership for this. 1/2 the payment is going to interest. i truly believe borrowers did not understand what he was doing. the financing co. is santander consumer usa in XXXX texes. but now after what i was told by the rep, i dont know who is responsible for this action. i dont believe it was the dealership but that it was santander because they are the people eho do the finanacing. the dealership is XXXX XXXX XXXX in XXXX az on XXXX. i contacted XXXX XX/XX/XXXX through email. cant get the contract so i have no other information. one thing i certain is that i did not recieved the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-23 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America refused to open an account for me and yet stated they can't open an account I don't even own them any money and XXXX refused to help yet claim that they uses XXXX XXXX  to not open account for me I need bank help me I get govement pay checks

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 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am reporting that the company portfolio recovery associates llc, is sending XXXX XXXX letters and phone callsthat the accountXXXX is being reported on my credit report as a debt of balance of {$410.00} which is a federal law forgiven debt.since XX/XX/2018. a 1099-c form, was sent by certified mail to XXXX/portfolio recovery associates, because of the event of XX/XX/2018, answer me with a reply why are you reporting and calling me, which I do not want you to do again.about a debt that's has no validation as a debt and calling me as if this is a legal debt, which put portfolio recovery associates, and XXXX is in violation of section 611 of the f, t, c. f.c.r.a.and I am asking for this action to stop.send me the consumer validation of this debt or change the payment status to paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX  XXXX, FL XXXX-NOT MINE  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE

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 2019-11-23 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank sent me a letter that I opened a credit card on XX/XX/2019 but I did not open or use their services. Over the months they sent some letters said I owe them money and sent debt to debt collector, they sent me some letters and asked me to pay the debt. This is harassing me and make my credit score dropped badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX  HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. 
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XX/XX/XXXXXXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX - XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XXXX XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX  - Auto Finance Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX   XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX, New Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE

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