vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: QC HOLDINGS INC
State: NV

Complaint narrative:
I received a phone call today from XXXX services threatening me with an arrest warrant for a payday loan from 2007 from the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A fifth mediation request was denied, a letter was received on XX/XX/XXXX stating it was denied and referred to a check which was intercepted, cashed by a third party. This check appears to be a settlement offer made by XXXX XXXX to me in XXXX, XXXX. The offer amount, {$3700.00} was accepted pre-mediation, I later learned the offer was low-balled after speaking with several current and former Wells Fargo customers with lesser damages than myself. Since no payment was received, I've sent in additional mediation request forms and was recently contact by XXXX in mediation ... We spoke on XXXX, XXXX denied the offer was low-balled and did not offer any proof showing so, he also denied two additional facts which include the check forged and sustained damages including unable to open accounts with other banks due to information reported by Wells Fargo. A letter received that same day, XXXX, states information was removed from XXXX XXXX XXXX which was supposed to have been removed prior. As for the signature on intercepted check, XXXX attempted to state it is mine even though he is not a handwriting expert then contradicted himself stating I signed and cashed it into a Wells Fargo account ... The last account was closed with Wells Fargo in XXXX or XXXX, I believe. Second, I have not had an account with any bank since and have been using pre-paid accounts. Third, the limit for a check deposit with my current pre-paid account is {$2500.00}. The amount of check including estimated IRS taxes is {$5100.00}, I believe. Needless to say, it is impossible for me to deposit it. Wells Fargo rep by the name of XXXX XXXX was replying via CFPB portal and it appears another rep is now replying and still using a general form reply. This form reply states numerous attempts at resolution made, exhausted all efforts which is a lie. Neither rep has detailed one such attempt such as reaching out via phone, email, or otherwise ... I can assure the CFPB and any other third party Wells Fargo has made no attempts whatsoever. I have called their executive phone bank numerous times, reps attempt to refer me to one of the settlement sites in which case has nothing to do with Wells Fargo mediation program and is a run-around. It appears they are not at all familiar with mediation program and will not assist me by forwarding my information to someone who can. Since no payment was received and check appears intercepted by another party, signature forged, I request Wells Fargo remove information reported to IRS as I did not receive funds from check. Also, I need a mailing address to send notice of small claims suit since mediation request was denied.

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 2020-02-15 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:
For some reason this company XXXX  XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.

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 2020-02-15 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:
For some reason this company XXXX XXXX XXXX is on my credit report. Its reporting a loan. I never applied for this loan. I tried to contact this company. No response. When I called their customer service. It goes straight to voice mail. This seems like a scam. Someone got my person information and is getting credit. I have a fraud alert on file. No one called me to tell me someone applied for a loan. I was never notified. This is fraud and identity theft. This needs to come off my credit report. Its reading 30 days pass due, collections, Delinquents. This is not my account. XXXX.2019. This is not my account never Authorize anyone for this company to request a loan. There is not even an inquiry on my credit report from this company. I have no idea how they got my information and how they are reporting like they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: CA

Complaint narrative:
On XX/XX/2020 I contacted Transunion to explain to them that there were fraudulent hard inquiries on my credit report. The person in the fraud department refused to even open a dispute and look into these items. During the phone call he repeated several times that the inquiries are a statement of fact and that Transunion would not send any information or documentation showing that I authorized these inquiries.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I was contacted about a collections account and I reached for verification of debt and explicit request to make sure this was verified and not reported to my credit pending proof. 

Company did not respond nor verify and have the information on my credit. Will sue if not removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am receiving unwanted email marketing from Capital One. I attempted to unsubscribe, and was told " Our system is temporarily unavailable, and were unable to process your request at this time. We apologize for the inconvenience. Please try again later. '' 15 U.S.C. 7704 requires senders of unsolicited commercial email to provide a working opt-out mechanism. Capital One has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
I have tried to cash a paycheck through ingo money and it got declined because they said I have a bad XXXX  report on my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
on XX/XX/20 I RECEIVED A PHONE CALL FROM A DEBT COLLECTOR NAMED XXXX XXXX AND SHE SAID SHE WAS CALLING FROM EVERGREEN COLLECTIONS. SHE ASK FOR MY BY NAME AND I SAID YES ITS ME BUT THEN PROCEED TO DISCLOSE MY INFO WITHOUT PROPERLY VERIFYING IF THIS WAS ME OR NOT AND WHATS WORST SHE DID NOT GAVE ME MY MINI MIRANDA RIGHTS REQUIRED BY LAW TO DISCLOSE ON EACH AND EVERY CALL. 

I CALLED BACK AND ASK TO SPEAK TO A SUP AND XXXX GOT ON THE PHONE SAYING HE WAS A MANAGER AND INFORMED HIM ON HOW HIS COLLECTOR DID NOT VERIFY ME AND DID NOT DISCLOSE THE MINI MIRANDA AND HOW THIS IS A VIOLATION PER THE FDCPA. XXXX SAID HE WILL CHECK INTO THE RECORDING AND HE STATED HE WILL GET BACK TO ME AT HIS EARLIEST CONVENIENCE AND I TOLD HIM THAT WAS NOT ACCEPTABLE AS THEY ALWAYS CALL ME AT EVERY HOUR. I ASK TO SPEAK TO HIS SUPERVISOR AND HE STATES HE WAS NOT IN AND REFUSED TO LET ME SPEAK TO ANY OTHER PERSON BUT HIM AND PROCEEDED TO LAUGH AT ME. 

I INFORMED HIM I WILL CONTACT THE ATTORNEY GENERAL AND THE FDCPA SINCE HE WAS NOT WILLING TO RESOLVE MY ISSUE AND WHAT HIS COLLECTOR IS AGAINST THE LAW. 

I WANT THESE COMPANY TO PAY THE {$1000.00} FINE FOR NOT DISCLOSING THE MINI MIRANDA AND WHAT OTHER FINES MAY BE ADDED FOR THEM NOT PROPERLY VERIFYING ME.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCash Holding LLC
State: NC

Complaint narrative:
This company has continued to call me, send regular correspondence and certified correspondence to attempt to collect a debt I have included in my active chapter XXXX bankruptcy. 

I notified two members of their staff on 2 separate occasions of my case information and am still receiving calls and letters. 

This is a violation of the bankruptcy automatic stay. 

I have also emailed them via their customer service email address listed on their website twice ( XX/XX/XXXX and XX/XX/XXXX ). 

They have sent 2 correspondence regular mail and 1 correspondence via certified mail in attempt to collect a debt. 

This is ridiculous and a violation of bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
In XX/XX/2020, my account balance was {$0.00}. I responded to an ad for a balance transfer with 0 % interest and 3 % balance transfer fee. I transfered {$5000.00}. When my recent statement came ( XX/XX/20 ), I was charged a {$150.00} balance transfer fee AND {$73.00} interest ( see attached image ). I phoned the credit card company and they agreed that there was a problem. Somehow, even though I responded to a 0 % interest balance transfer fee offer and used the balance transfer mechanism on their website, I'm nonetheless being wrongfully charged interest and the balance transfer is not registered as a balance transfer on my account. 

A case was opened on XX/XX/20 and I was told it would be resolved in 1-2 business days during the regular business week. However, today it's XX/XX/20 and there is no activity ad progress on my case. Meanwhile, the account is accruing DAILY INTEREST! 

I've been on hold for more than 60 minutes with the bank and no one is coming on the line to resolve this issue. The case # is : XXXX. The representative who opeend the case was XXXX XXXX. 

I want the daily interest to be refunded IMMEDIATELY and the  proper deal applied to my account. I have a screenshot of the deal that I will send or upload on request. Thank you.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Today  Friday XX/XX/XXXX I contacted Equifax Credit Bureau to unfreeze my account. I was very distressed during this process I felt that I was harassed in the manner in which I was treated. Approximately between the hours of XXXX : XXXX  and XXXX I called Equifax Credit Bureau to unfreeze my Credit Report to make it available for a lender. The following occurred : automated ask my full social, birthday, numerical street address zip code, the automated also sent to my phone an access number in which it difficult for me to click over and do. Finally robot prompted me to an agent who continued to ask me the same things that the automated had asked my social, birthday , street address and zip code, After asking these same questions she said that she had some security questions as : Around XXXX of XXXX did I open an account with a group of companies and my reply was no. She asked who financed my car since I have owned several cars I needed her to be more specific and she said within ( 5 ) years I replied that XXXX was first and XXXX XXXX was the second also I sold the car in XXXX and paid the car loan off. She came back and asked me the same question and I told her the same things. She asked about who had my mortgage and how much I paid per month I gave her that XXXX XXXX  was first and currently XXXX XXXX XXXX. she act like she couldn't understand the two mortgages and I told her that XXXX had sold the loan. She also asked about my credit cards and I told her I had just got one today and who it was issued by and she asked me about XXXX XXXX and I told her I had a checking account and a preferred credit card she wanted to know the balances and I told her I didn't know. She asked me also did I owe any other credit cards and I told her no. The agent at this time told me that she couldn't honor my request because she couldn't authenticate me as XXXX XXXX even though I had answered all of her questions. 

This agent was acting like an attorney and in my opinion crossed the line in how she suppose to verify a person. She keep going off the phone saying she couldn't here me. It was a difficult phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have unsuccessfully attempted to contact Equifax directly in reference to a negative public mark on my report, even with confirmations of inaccuracies. This bankruptcy item was paid prior to judgement and never had a balance. This case was filled in error in 2013, and was dissolved within days of the filing. 

This same information was conveyed, acknowledge, and removed by the other 2 credit bureaus [ XXXX  & XXXX  ]. However, Equifax did not remove the item and could not be reached other than electronic disputes that merely implemented conflicting rulings. 

I have continuously been subjected to multiple report breeches currently and in the past, which have always made my credit report vulnerable to identity theft and online predators. To my knowledge, Equifax uses XXXX XXXX XXXX as a facilitator and buffer to justify their ambiguous results. I'm open to any suggestions because I feel that I'm being treated unfairly and my credit is very sacred to me. I have exceptional credit and I work very hard to maintain it on a continuous basis. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: CT

Complaint narrative:
Experian say they refuse to dispute an item because I want to sue for inaccurate data

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 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I live in XXXX XXXX, tried to use my debit card at a grocery store and it was denied even though I knew I had money in my checking account. Checking my transactions, there were transactions all around {$100.00} from a XXXX gas station in XXXX XXXX that drained my account all the way to {$0.00}. I submitted a claim to Bank of America immediately, and they credited my account. Over a month later, I received a letter that they were denying {$600.00} of the {$850.00} in my claim.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I did not know of this debt until I check my credit score on XXXX XXXX, It show I did not pay a debt from XXXX of {$610.00}. I never recieved a bill from XXXX or a notification from Sequium Asset Solutions about a debt collection. I think it maybe fraudulent account or identity theft. 

SEQUIUM ASSET SOLUTIONS, XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION SEQUIUM ASSET SOLUTIONS, XXXX, GA XXXX SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2019 {$610.00} Open balance XXXX XXXX Original creditor I have no documentation showing this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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:
THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY 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 2020-02-15 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:
THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 i deposited my tax return check of {$900.00}. I did not received anything the next day. So i contacted chase through XXXX  and was told that my check was on hold because it was being evaluated. I was also given number to contact chase about my check to ask to remove the hold. I called on XX/XX/2020 and was told i could not do anything about it nor they could remove it. I told them that i needed the hold to be removed so i could go elsewhere in person to cash my check and they did nothing to help me. I called numerous times and spoke to the head supervisor and she said i would have to wait until XX/XX/2020 for my funds to be deposited. Im now overdrawn on my chase account with overdraft fees. I have never had an issue trying to deposit my U.S Treasury Check!!! My money that i can't believe I'm having to beg for. I will close my account with Chase after everything has been resolved. It's unbelievable, never thought something like this could happen to someone who does things right on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}

Company response to consumer: Closed with explanation