vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: MN

Complaint narrative:
I have requested information in regards to this fraudulent account inwhich I'm disputing and demanding that this account is blocked from my credit data file. The account is XXXX XXXX. I have requested the Method of Verification and certified documentation, signed contract, etc, and an electronic Verification can not be accepted as proof. So in accordance with the FCRA laws, either provide the above information or block the account immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
Back in XX/XX/XXXX, I settled an old collection account I had with XXXX XXXX XXXX. Two months have passed, but the companies will not allow this account to update as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
The Onemain company opened XXXX XXXX, 2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV collection agency has filed suit against me for a credit card debt. I do not agree with the amount they say I owe. As of XX/XX/2019 I have not received a summons but was notified by an attorney offering his bankruptcy services. I asked LVNV to provide proof of the debt. It was never provided to me as I requested. My debt has been sold to LVNV by a company who owns lVNV and that company is owned by XXXX XXXX which owns LMNV. I dont know who actually owns my debt and I dont believe they have a signed contract from the original creditor. I believe that this agency is using deceptive name changing to validate their proof. I have informed them of my XXXX  XXXX and that I am judgement proof and on XXXX for XXXX XXXX. I believe they omitted that information when they filed suit as to not bring attention to my XXXX and my XXXX health status. I believe they are counting on me not showing up to court to obtain a default judgement. I have nothing to place a judgement on. Appearing in court is something I can not do. With the medications I take and my fear of unknown situations it would cause me to suffer a setback in my condition and actually make me ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Date : XX/XX/2019 Amount : {$220.00} Action : Attempted Withdrawal from a XXXX Debit Card ATM Location : Wells Fargo ATM, XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone : ( XXXX ) XXXX Transaction Date : XX/XX/2019 Transaction Amount : {$220.00} ( @ XXXX ) Reason for Dispute : The cash was deducted from my XXXX balance immediately, but the money DID NOT dispense from the Wells Fargo ATM machine . The ATM gave me an error message and told me to contact my financial institution. I did not get any money, but it shows as a completed transaction in XXXX. I have contacted XXXX who initially refunded me and then later, took the money back and stated that the money was due to the merchant. I reached out to Wells Fargo directly, called, emailed and even went to the Branch where it happened. After several phone calls from Wells Fargo representatives ( who were very nice ) and promises to help, I was told there was no way they could track the ATM balance and could not help me since I was not a Wells Fargo customer. So basically, I am just out of {$220.00} an Wells Fargo has no liability even though it was thier ATM machines that faltered. I have used this card many times in the past to withdraw cash and have never had an issue, this time the money did not disburse and I feel it was an ATM error ; however Wells Fargo did nothing to get my funds back to me, and basically said since I dont have a Wells Fargo ATM card, they could not track it. They called me and claimed they did a thorough investigation- but there was no mention of my money being returned - just them again reiterating that they could not track my card ( which I did not ask them to do ). They CAN assess the balances in those ATM machines, along with how much was in the ATM machine, and how much was disbursed. And, if the money was disbursed after me to someone else, they also have cameras on those machines. It can not be impossible for a BANK to track the money disbursed from thier ATM machines. I need my {$220.00} back and would appreciate some help. This is unfair to me and poor practice from the bank as they claim to have all these security measures in place..cameras and accurate accounting are part of security too. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
HI. on XX/XX/XXXX i could not pay my credit card the balance was XXXX dollars. Then i had called from agency debt consolidation. they told me they can help me on this debt after 10 minutes talk I agree. then we set up the monthly payments then on XX/XX/XXXX they started to take XXXX dollars every month from my account for 2 years. Then 4 months XXXX dollars. So i started paying on XX/XX/XXXX and finish on XX/XX/XXXX after that they sent me a certificate of achievement which says i am debit free. After that i was happy and i forgot about it. But on XX/XX/XXXX i got a letter from XXXX XXXX saying i have to pay XXXX dollars to the recovery agency then i call them i sen what i have they could not find anything. nothing is paid and i think the debt consolidation company scam me. and i have court on XX/XX/XXXX. Thank you.if any documents you need let me know please thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: OH

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I financed a rebuilt transmission on XX/XX/XXXX at a XXXX store using Acima Credit.  The finance price was {$2500.00} if paid off in 90 days. If you do not pay the balance in 90 days the total payment over a 12 month period would be {$5300.00}. I did not know in the beginning but this is a rent to own purchase. I never received the lease agreement in the mail and I never received an email communication from them for the first 4 to 5 months. If I initially finance {$2500.00} but end up paying paying {$5300.00} over a 12 month period, then this is EXCESSIVE and predatory because i never received communication about these terms. I looked at the complaints for this company on XXXX and many customers are saying the same thing. Please look into this company on it's slick way of charging consumers EXCESSIVE and predatory rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
On or about XX/XX/2019, complainants wallet was stolen from XXXX XXXX Supermarket in XXXX XXXX, Fl. thieve immediately made several transactions on same day. Two transactions were made at XXXX pharmacy next door to XXXX for {$4.00} and {$25.00}. Two more were made at XXXX XXXX XXXX restaurant for {$15.00} and {$15.00}. Several other attempts were made but unsuccessful. Complainant did not realize card was missing until morn of XX/XX/XXXX, when police was called and card was canceled. Complainant submitted information to Direct Express Fraud Dept. in XX/XX/XXXXand again in XX/XX/XXXX. Complainant received letter from Direct Express stating that investigation showed that the theft did not accrue. Complainant called Direct Express to check status on XX/XX/2019, after sending written report which was not prepared until 2 months later. Complainant, after being placed on hold for over an hour on phone, was told by some alleged supervisor that monies were not protected by FDIC, and complainant had to absorb loss and move on. Supervisor was very disrespectful. I want my stolen funds back and compensation for lack of professionalism.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 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: Zingo Cash Illinois LLC
State: IL

Complaint narrative:
The Zingo Cash Illinois company opened XX/XX/2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Westlake Services, LLC
State: OH

Complaint narrative:
I contacted Westlake Financial Services regarding an old auto loan that I paid off back in XX/XX/XXXX. While reviewing my credit score, I noticed Westlake Financial Services noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with XXXX ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from Westlake Financial Services as well as a letter disputing the information reported. XXXX not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. XXXX said the only thing I could do was keep filing disputes. 

I contacted Westlake Financial Services regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against XXXX for failing to investigate this properly especially with them allowing Westlake Financial Services to change the charge off date by 5 years. I would like to file a complaint against Westlake Financial Services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: OH

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The Capital One Auto Finance company openedXX/XX/2014 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc.
State: MN

Complaint narrative:
This third party collection agency reporting this debt to credit bureaus, and incurring interest claiming that if I dont pay them it prevents me from borrowing money from other lenders, and competing in the global economy which is extortion and racketeering and has rendered me to being XXXX with no way to climb out of this debt, and failed to provide me with the legal statues proving that they can legally charge interest on a medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I'm filing a complaint against Freedom Mortgage, they made me missed my closing on my house 3 times because of the previous complaint I filed against Freedom Mortgage. 
I ordered a final payout statement from them 3 times and pays {$30.00} three times I called them at least 12 times but still don't have the payout statement. 
Could someone please help me? 
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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To Whom It May Concern : After changing " Bill Pay '' with my financial institution I received another form letter from XXXX XXXX Senior V.P. Wells Fargo Home Lending raising again my mortgage from {$1500.00} to {$2000.00} due XX/XX/2019 Perhaps if to those to whom she delegated would resolve matter explained to them and advised to contact XXXX XXXX XXXX County Auditor 's Office @ XXXX XXXX for further info First, one amount then followed up with higher amount! Wells Fargo does not have its clients in mind other problems I have had with their Dealer Services. 
Please be advise other complaint on file sorry for any inconvenience. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One is reporting a closed account in the amount of {$2100.00}. Card was opened XX/XX/XXXX. Showing derogatory as of XX/XX/XXXX and CLOSED. I never opened this card. Ever. It fraudulent. It wasn't me. I want it removed off my report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
on XX/XX/19 I attempted to deposit XXXX into the atm XXXX at us bank.at XXXX its took my money and then the door to the money collector opened and the screen was telling me to take my money back but it wasn't there to be taken out. about a few seconds later it showed malfunction on the screen and issued me a receipt telling me that the atm malfunctioned and that I needed to call the XXXX which I immediately did and they opened a claim and I was told it would be resolved quickly but that it could take up to 10 days and my issue is I have called every day between the branch itself, the customer service and the claim department and they all have been giving me the run around. I have bills mainly my rent that I can not pay due to this issue. I have taken off one day of work already to talk to someone in person and still nothing has been done. In addition to that I found out other people were experiencing this same issue so instead of them posting the atm was malfunctioning and not working they continued to let people use the atm, Now that I am facing eviction and that I have to go to court next week and face court charges and fees to deal with this issue and I feel its not right because it wasn't my issue to begin with. I am considering filing a civil suit against them because this has caused me emotional stress and hardship giving how its effecting my living situation and other finances. I feel there is something they can do and I feel they just aren't doing it. They definitely are not showing a sign of caring either. I am just highly frustrated and I am pursing this route because I feel its unfair and irresponsible on that branches part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Risecredit, LLC
State: IL

Complaint narrative:
The Risecso company opened XXXX. XXXX, 2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had opened Citi Regular checking account with a promotion of Cash back {$200.00} offer. Terms and conditions were that I need to deposit $ XXXX within 15 days and keep it there for at least 90 days and after that I will get the {$200.00} bonus. 
I have been following up with Citi regarding this. It's such a large bank and full of inefficient employees that i keep on getting different answer. 
Today i called over the phone and the gentlemen told me that I will be getting the {$200.00} cash bonus by XXXX XX/XX/2019. 
While on the chat XXXX told me that i don't have the cash back promotion at the very first place. 
This is ridiculous.

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