vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: Credit Plus Inc
State: FL

Complaint narrative:
It Stared with an old XXXX XXXX XXXX I used to owned with XXXX XXXX I was doing my own investigation who has the phone on XXXX XXXX XXXX. The phone was located Somewhere in XXXX, NY and also at a near by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX Credit Score Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked TransUnion several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to remove an address I never stayed at and to remove two employers from my credit profile.

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 2021-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I went to the Huntington ATM at XXXX XXXX XXXX, XXXX OH XXXX to get money out of my savings. I entered {$180.00} and then it asked what denominations I wanted. I put in the amount of different bills and it immediately gave me my card back and said I needed to call Customer Service as the transaction could not be completed. I knew I had at least {$300.00} in the account. I immediately went to my car and looked at the app. It showed it posted to my account as if I received the funds. 

I called Customer Service where I waited for 45 minutes just to speak to someone. It was escalated to a XXXX who said he filed the dispute and it will take up to 10 days to get my money. I said WHOA WAIT ... I put that money into your financial institution in good faith and now its going to take up to 10 days to get my funds back that I trusted your machine to give me? He said well ever since we got the new machines we have had issues. I said not my problem. It IS my problem that I don't have money and you will not be providing me an immediate credit. I said run the camera 's, balance the ATM ... DO SOMETHING!!! He said they can not do that. 

I called again today to follow up and now being told they had to wait until it posted to my account which was yesterday and again, it can take up to 10 days. NOT FAIR!!! I trusted them with my funds. Now I have to close my accounts and bank elsewhere. It did not even provide me with a receipt. 

I am just getting the run around and of course no one at the branch answers the phone. It all goes to voice mail. I work for a living and can not physically get to the bank during normal business hours. Can you please help me? 

Thank you and have a good day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
U S DEPT OF ED Account # XXXX has been closed since XXXX. New lates are on my credit report reporting for 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, Account showing in collections and account is paid. Please, remove from the credit reporting section of report. Balance is 0. Account is not in collections. Please remove. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
on XX/XX/XXXX, i signed a lease from XXXXMONTEREY Financial Group. i was financed for the purchase of {$1800.00}. My first payment, at the store on date of purchase was {$440.00} with 27 payments of {$150.00}. the first payment was set for XX/XX/XXXX. the account they tried to pull from was insufficient. unknown to us that it was auto draft, we tried to pay the {$150.00} with a different account on XX/XX/XXXX. they did not take the money until later in the month ( 3 weeks later ) and then claimed a {$20.00} late fee for the next billing cycle. i agreed. on XX/XX/XXXX, they pulled {$270.00} from my account and of that, {$52.00} came from my savings account. i called and they claim i agreed to that and would go over the last call to verify. my contract says to pay {$4300.00} at the end of lease, but the numbers do not match my account on their website by several hundreds of dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Twice I've disputed this account with Convergent Outsourcing and I still have received nothing at all from them! This is a violation of the FCRA! They are required by federal law, to send me the same information that they are reporting to the credit bureaus! I DEMAND JUSTICE! PLEASE HELP 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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On each one of these times, I have reached out to WFDS letting them know that there is an authorized late payment on my closed account. I do not approve of this late payment and I had a really good payment history on this closed account. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact, exist.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NY

Complaint narrative:
Similar to complaint filed on XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) store credit card ... writing this complaint again, against XXXX XXXX  ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) who also holds XXXX XXXX XXXX XXXX store credit card. 

Received phone call on XX/XX/XXXX from XXXX XXXX collection agency w/r/t debt owed to XXXX XXXX  XXXX XXXX. Debt total {$340.00} ( due to late fees and interest charges ). ( Reference number XXXX ) Also spoke with XXXX XXXX XXXX ( phone number XXXX XXXX to discuss this issue. They confirmed statement were mailed to old address of XXXX XXXX XXXX, XXXX, NY XXXX. 

When this first happened, I inquired about the XXXX XXXX account on XX/XX/XXXX. A customer service representative, XXXX, indicated my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . ( In fact I received my last XXXX  statement in XX/XX/XXXX at this current address ). When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX XXXX did I call XXXX XXXX  to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) Therefore, same incident ... XXXX XXXX XXXX XXXX statements mailed from XXXX XXXX, incorrectly mailed to previous address. 

I am willing to pay the original amount due to my XXXX XXXX XXXX XXXX statement/invoice. However, feel I should not have to pay late fees and interest charged, as I was not receiving statements due to XXXX XXXX  system failure. 

Thank you for your time and consideration

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 2021-02-02 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: NY

Complaint narrative:
on XX/XX/XXXXXXXX  I submitted a dispute to XXXX  requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}. 
I have already filed a dispute with them as well and it did not get solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted XXXX XXXX and TransUnion online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks

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 2021-02-02 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: MI

Complaint narrative:
I contacted XXXX, Equifax and XXXX  online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I believe that the CFPB has prematurely closed my previous complaint XXXX Wells Fargo 's response was incomplete and inaccurate.

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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have a debt from a collection company called PROCOLLECT for the amount of {$2900.00} from a previous apartment that was MY MOTHERS and under MY MOTHERS name. These apartments are called XXXX XXXX XXXX. My mother was the only one on the lease, I did not sign the lease, I wasn't even a resident of these apartments. I tried calling the apartment complex to get them to send me a copy of the lease in order to prove that this debt is not mine. However, the apartments say that they got rid of the contract. I tried reaching out to PROCOLLECT and even wrote them a letter for the 30 day dispute ; they just hang up. They say it does not matter and I have to pay or else they will -threaten to do something else-. There is no way to communicate with them and make them investigate this claim. I do not think it's fair that this is affecting my credit score, showing up, and they are making me pay a debt that is clearly not mine. I am a student, I can't afford to be paying off this kind of debt that does not belong to me. And that is negatively affecting my future. I need someone to make the agency at least investigate the debt, in order to confirm that it's not a debt under my name. Something they are not willing to do.

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 2021-02-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I go online to the website and get an error message each time. Six months ago finally got through to a live person and they promised to fix the problem, they have not. Now I try to get another person and their AI system takes information and then does not connect to a person. I have tried four times and wasted hours trying to fix the issue. I can not get a copy of my report without sending information about myself that could lead to Identity Theft if sent through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi Bank. I settled two Citi credit card debts with a debt collector ( XXXX XXXX XXXX XXXX XXXX working for Citi Bank, N.A. on XX/XX/XXXX and XXXX XXXX, attorneys at law working for a debt buyer ( XXXX  XXXX  XXXX XXXX assignee of Citi Bank N.A. ). I paid XXXX XXXX XXXX via Two- {$500.00} and a second for {$500.00} on XX/XX/XXXX and paid XXXX XXXX XXXX XXXX  with two- {$1000.00} and a Secord {$240.00} on XX/XX/XXXX. I need two tax forms ( 1099-C ) s from Citi bank, N. A. for the settlement accounts - {$2300.00} forgiven on account ending in XXXX and {$730.00} forgiven on card ending in XXXX. I have been in contact with Citi Bank, N. A and even " management office '' ; however, I can not get information about the two tax forms.

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