vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-22 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had nothing but problems when trying to make a payment with Fifth Third Bank. I 've had to request that my online account be reset multiple times due to problems with their website. I 've tried calling but the system wo n't allow me to make automatic payments over the phone so I have to wait on hold for a ridiculous amount of time, and often times I 've been disconnected and have to start the process all over again. All of these technical issues have resulted in some late payments, numerous late fees, and now my credit report has been negatively impacted. The last customer service person that I spoke with was also informed about my troubles when accessing the account. I tried making my payment on the due date and could n't access the account, she then ADMITTED to me that the website has been having problems. I asked her to remove the late fee that I was charged but she refused, even after admitting that the website has been malfunctioning. Because of the late payment the company has reported to the credit bureaus that my account as being paid late, and the result has been a drop in my XXXX XXXX. I 've tried working with the company but they did n't seem to really care about me as a customer or the issues that I was having. I will never do business with this company again. I plan to pay the card off and close the account. They have HORRIBLE service. I tried finding contact info for a department to file a complaint but had no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-22 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 sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since XXXX and is still report on my file and was update from some XXXX collection agency in whom I have not went into contract with

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 2017-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial
State: NY

Complaint narrative:
In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AK

Complaint narrative:
I sent {$2000.00} to a girl in XXXX and when I looked up the MTCN # it said the money was received so I texted the girl and she said she did not pick it up so I asked XXXX XXXX what city was the money picked up in and they told me and its XXXX Km from where she lives and she is a school teacher and works very long hours so the only time she would be able to get the money is on weekends. 

So I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently looked at my credit reports and noticed that Wells Fargo Dealers reported negative marks 30,60,90 Days Late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2017-10-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX this year, I purchased an item on the Internet using my XXXX card. The vendor ( XXXX XXXX billed me for the item I had purchased, and later for XXXX more on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received. I file a dispute with XXXX immediately and was advised to change my CC Number, which I did. The vendor later submitted a self-serving statement that by agreeing to the purchase of the first item, I had signed up for an option-to-buy program after a XXXX trial period. For the record, I neither read nor agreed to a statement like that when I purchased just XXXX item. 
The vendor re-submitted bills for supplies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received and XXXX honored their request. In my judgment, XXXX should not have honored that request because my CC Number had been changed at their suggestion, and I did not receive any other product. By their action or inaction, XXXX has aided the perpetration of a fraud. Why should I pay for products I did not order or receive? This billing has to to removed from my account.

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 2017-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
On XXXX/XXXX/XXXX Portfolio recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted Portfolio Recovery @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the rep sttd no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the rep said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says XXXX XXXX XXXX however, I have never banked with XXXX XXXX and never have fallen behind on any of my credit cards with XXXX XXXX. I have also contacted XXXX XXXX and have been advised nothing has been sent by them to this collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrated Recovery Services
State: NV

Complaint narrative:
On XXXX XXXX, XXXX I received a email that Integrated Services was the collection Company that received the case from XXXX. For a total of XXXX I agreed for a settlement of XXXX to be paid in XXXX payments as follows ; XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX For a total of XXXX After I received this email I was told by XXXX XXXX XXXX that a processing fee of XXXX} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the XXXX XXXX XXXX on XXXX page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put XXXX payment as agreed for XXXX XXXX that same day about XXXX am est XXXX called XXXX XXXX and harass him about my XXXX payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they XXXX and made a withdrawal of XXXX. I requested a copy of my new balance with should be XXXX that was not send to me via email. If I do not reveive my new balance of XXXX I think this is a fraudulent transaction made by Integrated Recovery Services..I also requested that they contact me via US Postal Services XXXX no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I have sent several letters letting the debt collection company know that this debt does not have the correct date that the account went into default. This debt is well past XXXX XXXX XXXX and past the statue of limitations for the state of South Carolina. They will not send me any information about this debt when I asked for validity of the debt. They remove it and then put it back on my credit report as if it is a new 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 2017-10-22 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: EQUIFAX, INC.
State: OR

Complaint narrative:
My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: BANK OF THE WEST
State: CA

Complaint narrative:
After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec 623 this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.

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 2017-10-22 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: IA

Complaint narrative:
Related OPEN Cases : CFPB # XXXX TO WHOM IT XXXX CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security, Federal Reserve XXXX and XXXX else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE XXXX DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX BANK AND LETTER TO XXXX XXXX XXXX XXXX, THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO XXXX MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the Attorney General 's Office requested the letter I attached below Thanks Respectfully and Sincerely, 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 non-monetary relief
Consumer complaint received 2017-10-22 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. XXXX both items with a balance has help destroy my credit worthiness and it 's a violation.

Company response to consumer: Closed with explanation