vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo XXXX XXXX on my Truck for the XX/XX/07 payment raising my payment to XXXX I could not afford that the Payment was due XX/XX/2007 you had a repo man come get the truck on XX/XX/2007 and I called you on XX/XX/2007. You have the truck over 90 days before the sale of it. Thats wrong. You owe me for that. Where is the XXXX extended warrenty you cashed out missing on the paper work. Why did you all take XXXX out of my bank after a debit transaction at the XXXX XXXX wells fargo atm for XXXX The very next morning you hit my debit card again for XXXX wells Fargo rewards. 
It took a week to get my money back and visa 6 months to review the ordeal you people are crule I WANT OUTSIDE ARBIRTRATION and or a refund I am owed.

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 2020-10-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently sent letters over 30 days ago to this bureau and they are disregarding my dispute. I am very stressed at this moment, I have been sending letters and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT ADJUST XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT ADJUST failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT ADJUST failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT ADJUST is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NATIONAL CREDIT ADJUST is in compliance with OHIO LAW. I 
also have reported this account to the FTC, and XXXX  Police Dept. I need this collection account to be removed from my credit report. NATIONAL CREDIT ADJUST has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: OH

Complaint narrative:
I opened a deposit account with XXXX XXXX, part of Netspend Corporation, on XX/XX/20, using a referral link from another accountholder. The purpose of using the referral link was to receive the advertized {$50.00} referral bonus that is promised to both the referring accountholder and the referred accountholder. Moreover, I referred another person to open this account in hopes of receiving another {$50.00} referral bonus as promised. I followed all required activities to get the bonuses ( activated debit card, opened savings account, had a direct deposit, etc. ), but I did not receive any bonus. After reaching out to the customer service of XXXX XXXX, I was told that I am not eligible for any bonus because I have a pre-existing Netspend account. I argued that this was not mentioned in the terms & conditions for the bonus, but I was still 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 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/17 I reached out to US Bank to explain I had just gotten out of the hospital this week and that we had lost our housing in the pandemic. I asked if they could refund the four {$36.00} overdraft fees In the past they had been very understanding that we have not been able to keep up with cash flow in the pandemic. 

This time they said they arent doing it anymore and that we need to figure it out. 

I think it is terrible that they are even allowed to charge fees like this in the pandemic and that they make you feel like a terrible person

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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
15 U.S. Code 1692e.False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TN

Complaint narrative:
On XXXX I submitted a dispute to Transunion with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.

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 2020-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Nationwide Title Clearing, Inc.
State: GA

Complaint narrative:
This letter is part of investigation of fraud involve my mortgage, I have attached this inquiry a copy of the assignment in question. please provide me this information I listed below. 1. the balances of notes that transferred or sold. 2. who is the lender for each note. How many notes in this assignment. 3. what role you played creating this Assignment. My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX please be inform your answer will be use in court. This letter is part of elimination process to find out who involved in mortgage a fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX for {$130.00} and {$340.00} should be credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: UT

Complaint narrative:
Purchased a group of items through XXXX, paid XXXX ( XXXX on XXXX cash balance and XXXX on citi credit card ) - never received items. XXXX suggested to file a claim through citi ( wrongly, but I did it ). Citi claiming merchant " sent '' item - very frustrated. {$2600.00} locked up in disputes. Followed dispute process through citi and citi not looking out for their cardholders.

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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: WA

Complaint narrative:
on Tuesday XX/XX/2020 i had made a dealto sell my XXXX XXXX wit someone on offerup an they agreed to buying the phone which that same day i shipped the phone and i had given him the tracking number to complete the payment on cash app so the funds would be directly put into my account which didnt happen then i emailed cash app an they told me to change my settings an change it to business as i did then they said my money would be on my account by XXXX yesterday and today an previous before i had to refund XXXX then the money would be in my account then i got a email today talking about XXXX charges then doubled the amount of money to do the same thing wit the XXXX plus saying i owed some more money to cash app which i dont i jus want the money that i was supposed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IA

Complaint narrative:
Blitt and graines file a judge against me in XXXX XXXX Iowa. There was no notice about the debt being moved to company. I did not get a letter stating that they took it over. I did not get a letter stated that I had the 30 days to dispute it. They went straight to a judgement. I settle the debt and paid in full if given the proper notice it would have not gone to the courts to start with. 
Attached is the court order and receipts that shows that the law firm is the one that was handling the debt. This is the only letter that was ever received from them. Was not given the chance to have a 30 day dispute that shouldve happened. 
No papers received to dispute the debt from the lawyer before papers were sent to court Court drawer paper work XX/XX/2020 Amount XXXX Settled paid in full- XX/XX/XXXX. 

Again if the proper steps were taken by the company there would have never a judgement and the debt would have still been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is two Bankruptcies on my credit files in error. I have contacted XXXX, Experian and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.

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 2020-10-17 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: NC

Complaint narrative:
I have filed at least 5 disputes with Equifax. I paid off the balance of my XXXX XXXX XXXX visa card leaving a balance of {$10.00}. The new balance was submitted to Equifax on XX/XX/XXXX and AGAIN on XX/XX/XXXX. Equifax STILL HAS NOT CHANGED THE BALANCE. A result of their inaccuracy, my credit score has been effective. It has been over 2 months and 5 disputes and hours of phone calls trying to dispute their results. It has been a nightmare and I am not sure what I have to do to have this company stop reporting fraudulent data!!! Dealing with Equifax has been nothing short of a nightmare!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TN

Complaint narrative:
On XXXX I submitted a dispute to Experian with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.

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 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
I have concerns over the handling of my mortgage account as well as issues that arose prior to the transferring of my mortgage account from Fay Servicing , LLC to XXXX XXXX XXXX. I feel as if I was taken advantage of financially by Fay Servicing , LLC in the last few months of the company servicing my loan. I also feel that my mortgage loan account was mishandled therefore causing confusion, discrepancies, numerous errors, over assessment of fees and potential unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revco Management, LLC
State: AR

Complaint narrative:
COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT TRF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received notice that there was fraud created on my capital one account. When I contacted capital one to inquire about what type of fraud they would not provide any information. They required that I provide them a copy of my driver 's lic ( front and back ), a copy of my SS card, a bank statement, along with a bill verifying my address. All of these documents were provided, but they continue to find excuses as to why they will not accept my forms of identity, first, my auto insurance bill was not acceptable then I sent the cable bill, then they wanted a copy of my bank statement without my account number blocked out ( why do they need my banking account number ), now the excuse is that they will not accept my SS card because it was laminated. I have bent over backward to getting them the information to prove who I am, but yet they will still not provide me with any information as to what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit

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 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is two Bankruptcies on my credit files in error. I have contacted XXXX, XXXX   and TransUion via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. TransUnion has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.

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 2020-10-17 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: SC

Complaint narrative:
There is two Bankruptcies on my credit files in error. I have contacted Equifax, XXXX   and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX  has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: NC

Complaint narrative:
I am complaining about Equifax. Trying to determine which correct website address for Equifax to login to my personal account. XXXX has more than 15 different links to search for the Equifax website on their search engine. This is not security. This is very confusing to consumers. This should be fixed due to security concerns for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CA

Complaint narrative:
Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.

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 2020-10-17 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: CA

Complaint narrative:
Having issues with the depart of education and all three credit reporting bureaus still showing my school loans not being paid and are in default and not being paid. Been making payments part of my rehabilitation since XX/XX/2019. Then also with the help of the cares act it shouldnt even been reporting at all.

Company response to consumer: Closed with explanation