vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/2018 i applied for a credit through wells fargo 's online site. my intention was to do a balance transfer from XXXX XXXX and enjoy the no interest period and pay off my debt. i submitted the application and was surprised that i was not instantly approved. i decided to 'sleep ' on it and check my email the next morning. i had gotten an email overnight from well fargo informing me that my application woud take more time for review. i saw a phone number and decided to call and check the status of my application. the agent that assisted me informed me that my application was actually declined. i asked why, and she informed that it was due to activity contained on my XXXX credit report. this was new to me, i check my credit report at least once a month and monitor my credit score once a week. i was also told that i was going to get a lette in the mail in few days with the reason i was denied. i got the letter in the mail today. and the letter said i was denied becuase i had open too many trade lines within the last 24 months. the back of the letter also stated that my XXXX   credit score was used a deciding factor in my application, my credit score was listed as XXXX. in all of my experience a credit score of XXXX is considered high. i reached out to well fargo for a further explinations and was trasnfered to the 'executive office ' but they were not ableo to help me. i feel that my high credit score should have been enough to have my applicatio approved. the agent did not seem to want to help me. at this point, i have already applied and by approved by another bank but the damage is done. there is now an inquiry from wells fargo for an application that got denied for no reason. my desired solution is to problem is to have wells fargo remove the credit inquiry from my credit report. i suspect that wells fargo is envoking the '5/24 ' rule. meaning that credit card companies wil deny applicants, regardless of credit history ; if they have had 5 or more credit cards opened within in the last 24 months. it is a practice that i feel is used in order to lower credit scores, which therefore will mean applicants can get approved for higher interest rates. my application # 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 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I had a positive available balance of over {$290.00}, prior to the following items becoming pending on my account : 1. {$42.00} - Restaraunt charge 2. {$25.00} - XXXX XXXX XXXX. {$32.00} - XXXX 4. {$35.00} - XXXX XXXX XXXX. {$5.00} All of these transactions extracted from my available balance on XX/XX/XXXX. However, when my direct deposit posted on today for XXXX, my available balance was showing {$3000.00}, which is incorrect because the account was only -XXXX on the evening of XX/XX/XXXX around XXXX because I checked my account during that time. Therefore, I believe I was double-charged on the transactions listed above and this is not the 1st time I have seen my account off with Wells Fargo. There have also been problems with debit transactions almost every other Friday on Payday for some reason. Are they taking my money in the backend Systems. I believe there something is going on with how Pending Transactions are initially debited from your available balance and then later debited again when it Posts such as in this case. These transactions were reduced my available balance on XX/XX/XXXX and should not have reduced my balance again when my Direct Deposit came through this morning for {$3200.00}. 

What is really going on here? There should be real-time accountability and True transparency along with a timestamp on each and every transaction which happens on anyones account and also during batch processing to properly reconcile your systems to ensure your programming software is not stealing from customers. This is a problem and we requesting our monies back for the above transactions.

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 2018-07-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX very cheap terrible bank to work with I have been trying to dispute the unwanted charge to my account and this XXXX XXXX  refuse to do anything First they told their dispute department XXXX XXXX and confirms that the charges to my account was ledget then when I told them I will take them to court then they said their going to start the dispute again and that was lie it was just to buy time and toy me around they send me this stupid letter which I will include with this complaint They refuse to credit the unwanted charge

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 2018-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

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 2018-07-28 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: TX

Complaint narrative:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

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 2018-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
We sent the following email to the Flagstar Class Action Settlement email and received no response, after reaching out to a Flagstar Banking Representative on XX/XX/2018 and we received no response or follow-up and are requesting that our checks be reissued for payment : Hi Flagstar Overdraft Settlement Dept, We just received the following checks in the mail on today and would like to please request a  reissue of the the checks, since you have cancelled the settlement checks from being negotiated after 60 Days : 1. Check # - XXXX - {$80.00} - Dated XX/XX/2018 2. Check # - XXXX - {$13.00} - Dated XX/XX/2018 We reached out to The XXXX XXXX XXXX  on this morning and they stated you would reissue the checks. 

Again, we received these checks today - XX/XX/2018 from the following address : FLAGSTAR BANK OVERDRAFT SETTLEMENT XXXX XXXX XXXX XXXX OR XXXX Also, your Postage was Dated on XX/XX/2018 and Stamped by an Internal System XXXX XXXX U.S. Postage. This is the same date as the Check Date. Was this purposefully done internally by Flagstar and held for 6mths to withhold Settlement Dollars? 

We truly appreciate your time and consideration and look forward to hearing from 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 explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They Wells Fargo charged me XXXX for taxes ... for what tax ... I already wrote to you people ... the money that they charged me at the amount of XXXX for taxes ... I've told you people I don't pay taxes ... 
Now you have the paperwork of what they say ... .where they took the money for taxes ... they contradict themselves ... now it's not about taxes is about escrow..that they took the money ... .Mr. XXXX they Wells Fargo did what? Read the papers ... I already paid for wind and storm damage insurance and fire insurance ... so it there was no money collect from Mr.XXXX ... not from me ... 
Read the documentations where they did what? XXXX me over..where these XXXX sit on their XXXX XXXX ... they XXXX  up and they are trying to cover it up ... just give me my money ... 
from XX/XX/XXXX to XX/XX/XXXX ... taxes ... what taxes.. 
I graduated at the age of XXXX years and enlisted in the XXXX I was XXXX years old when I wet to fight ... in XXXX ... and get this XXXX from XXXX..as I said they are trying to cover up their mistakes ... so what if they get fired ... not my problem ... ask the XXXX ... everytime some crooked mortgage company takes over I have to pay more for my mortgage..WHY IS THAT? 
They stated that they sent a copy of the endorsed check..they are XXXX XXXX ... so one is going burn ... not my problem ... they had no right to take my money ... 
They owe me ... no wonder this country that I fought for..is so XXXX up..where XXXX XXXX runs these country ... but don't think for one minute, I that I will give up to these XXXX XXXX XXXX XXXX XXXX ... they play their game and I'll play mine and they will lose ... The corporate office is not far from 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 2018-07-28 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I went to XXXX and my credit card information was stolen. This was not long after I have 4 issues with my debit card so I thought credit card was safer. On XX/XX/XXXX {$270.00} at XXXX and XX/XX/XXXX {$280.00} and XX/XX/XXXX {$130.00}. I was shocked that the bank wouldnt fix this since it was not me. I am guessing it has to do with my debit card getting stolen first and I had 4 fraud charges there and one in XX/XX/XXXX for XXXX I gave up on trying since I cant believe this was happening to me. I asked them what can I do and they said. I reported these charges that were not me to the bank and they said we will temporarily credit it and look into it. I just found the charges are now back on my card and I guess they denied my claim. I have not clue what to do next since it wasnt me and my information was obviously stolen. Wells Fargo claimed to be helpful but I am looking into changing banks now. Just hate feeling like I have to monitor my account daily for new fraud charges and this sucks I am afraid to use both my atm and credit card because of all this in fear I will just get more and more charges racked up and they will blame 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 2018-07-28 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: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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 the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

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 2018-07-28 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 the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX  and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: FL

Complaint narrative:
For the last four years Ive been disputing an account by XXXX  on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity

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 2018-07-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency Equifax that the account is still open in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A complaint was filed against this company with the FTC and CFPB in XX/XX/XXXX in regards to a XXXX XXXX   account. The work done that was charged to my store credit account was not acceptable. I subsequently refused to pay, and the account was charged off. I was in contact with a member of the Executive Team who was assigned to handle my complaints. She stated a portion of the bill would be removed and the other portion I would be responsible for. I told her I did not accept this agreement, as the work done on the vehicle was not acceptable by any reasonable standards and I didn't feel it was right I had to pay. In XX/XX/XXXX, XXXX XXXX reported the account as charged off a second time on my credit report, in response to the complaint I had filed and my refusal to pay. This second charge off added additional time to the amount that this account would show derrogatory. In XX/XX/XXXX, a dispute was filed with Experian in regards to the additional charge off. Experian " verified '' this change and yet another charge off was reported on XX/XX/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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2018 CFPB complaint # XXXX was filed. The complaint requested that USAA report account # XXXX as " paid '' and " closed ''. USAA responded to the complaint on XX/XX/2018 stating information that the loan ending in XXXX was " included in a ChapterXXXX/Discharge status '', yet a balance of {$160.00} was due. This can not be true as you can not Discharge a Chapter XXXX and still have an account balance. Something is wrong here. It appears that USAA is 1 ). Calling into question the competency of the Trustee and Bankruptcy Judge, and, 2 ). Wants payment of {$160.00}. I request further clarification from USAA to what it will take for them to report account # XXXX as " paid '' and " closed ''. In the response to the previous complaint USAA only obfuscates, going over the Chapter XXXX information, ( although their numbers and the numbers on the Chapter XXXX Disbursement Schedule do not match ), and blaming the CRAs for not reporting information correctly - even though the merchant tells the CRAs what to report. Ultimately, USAA does not address why they will not report the account as paid and closed. I have included as attachments the initial complaint, credit report, my Chapter XXXX Disbursement Schedule, and Chapter XXXX Discharge Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal Is refusing to assist me with my dispute I left my purchase in the fitting room when I realized I dont have my purchase I immediately went back to the fitting room and terribly it was gone now I am pay and making payment for a purchase I dont have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation