vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: City Enterprises, LLC
State: AL

Complaint narrative:
XXXX   XXXX  keeps harassing me and calling me on my cell phone and on my job calls was made on  XXXX / XXXX /   17  By  XXXX  phone number is  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: FL

Complaint narrative:
Equifax is refusing to remov e two   XXXX   XXXX  accounts from my credit report that were inaccurately reported to my credit.     This time, I went directly to  XXXX   XXXX  themselves and got them to send a me a letter stating that they are NOT reporting these  XXXX  collections to my credit. I am attaching the letter along with this complaint for the CFPB 's review.     The letter is pretty straightforward but Equifax is shutting me down every time saying that regardless of what I say, their reporting is accurate. For months, I have sent several disputes, from written letters to online complaints, and they continue to turn me away.     At this time, I am considering filing a lawsuit against Equifax for hurting my name by illegally reporting these accounts to my credit.  XXXX   XXXX  themselves are stating that they are NOT reporting these  XXXX  collections to my credit.     This is clear evidence to support my statement. Why has it taken Equifax months to address my concern?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending 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 monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX    , I forwarded a request to Equifax to provide verified of listed items or for them to delete them from my credit report. As of today,   XXXX   XXXX   XXXX    , I have yet to receive any results of any sort. On the letter to them, I included my address as well as copy of my ID and SS card to show proof that all my information matched and to confirm my identity. It has been over the 30 days they are allowed to send the results back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  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 monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

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 2017-04-25 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: Colony Brands, Inc.
State: OH

Complaint narrative:
Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: AZ

Complaint narrative:
I have attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.

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 2017-04-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I went on a cruise wi th Carnival Cruise Lines fir st week of  XXXX   2016 .   I used my personal master card tied into my room number and no other cards were permissible for use.   In  XXXX , I received a  letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem.   In  XXXX  I received another letter from  XXXX   XXXX   XXXX  - Creditor :  Barclays Bank Deleware stating  I owe  XXXX  with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called  XXXX  collections agency and spoke to  XXXX   XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to  XXXX   XXXX  about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard    bill I received only the second time I was contacted by  XXXX   XXXX  agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h  as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r  eceive funds.

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 2017-04-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Technology Incorporated
State: OH

Complaint narrative:
For several years now I have been recieving collection calls and a collection letter looking for a "  XXXX   XXXX   XXXX  '' regarding his defaulted student loans. The first collection letter which was mailed to my home address was from the loan guarantor  XXXX   XXXX   XXXX . I did n't open the letter because it was n't addressed to me. I did call them, and told them of the mistake. Short time later I started to recieve collection calls from various companies like  XXXX   XXXX ,  XXXX   XXXX  and others looking for the above individual. I again contacted  XXXX   XXXX  and  US D epartment of Education as to why I was recieving calls. On   XXXX   XXXX  , I recieved a call on my cell phone from a company called  Collection Techology Inc l ooking to a  XXXX   XXXX   XXXX . I explained they had the wrong number and asked why they were calling on my cell phone. She told me it was the number on file and wanted to verify my DOB and SS number. I gave her my date of birth and she claimed it matched, and then proceeded to request the last  four  of my social. I refused and told her she needed to provide the last  four of what they had on file, which she did. She actually gave out the last four o f his social. Needless to say the conversion became extremely heated. I sent an email to their general counsel expressing my anger over recieving an auto dailed call to my cell phone and the violations of the FDCPA. A couple of weeks later, I recieved a response from a  XXXX   XXXX . The attached letter was full of errors. First they claim to be looking for me and not the other individual. I called the number back from another phone number and when I gave them my full name they stated they did not have such a file. I gave them the cell phone number they had called and they then confirmed they were in fact looking for a  XXXX   XXXX   XXXX . The letter implied the my cell phone number was supplied to them by the original creditor and they would correct the suppliers bad information. I again called both  XXXX   XXXX  an d US DoEd, and neither my cell phone nor landline are associated with the account. The let ter goes on the deny the use of an autodialed call and denies giving out the last  four of so cial violated the FDCPA. I sent another email back to both their general counsel and the original senders email and to date have heard nothing.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Filed Bankruptcy in  XXXX , include d Wells Fargo  Mortgage loan balance. I have been living in the house and paying on it since then.     Starting  XXXX / XXXX / XXXX ,  Wells Fargo has been  calling me trying to collect the debt, even after I informed them that this in illegal!     Today,  XXXX / XXXX / XXXX , someone named  XXXX  or  XXXX   ( he said it quickly ) called me on my cell. I immediately informed him that he was was not allowed to contact me about m y debt or at all via phone. He became angry and then threatened to sue me. He said, oh well, that 's okay, I 'll just contact our attorney.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my Equifax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX   XXXX   XXXX   filing this complaint to defend my property from  Bank of America wrongfully  invading my privacy my violating the  Gramm-Leach Bliley Act  for sharing my information to non-affiliate third party. I have unsuccessfully try to refinance because of unauthorized credit inquires and the unfair credit reporting on my credit file. I feel like B ank of America h as truly discriminate against for failure to offer me an affordable modification. Im reaching out to the  Consumer Finance Protection for me  to obtain equal justice a nd Due Proce ss. During my continuous research into my loan I have discovered that my loan was sold more than five-times over its life time. Without my knowledge which means many unknown person has unauthorized use of my information.  Bank of America  file for foreclosure on   XXXX   claiming I breach my contract for non-payment, when in fact they breached my contract when they sold my loan on  Wall Street wit hout my permission and allowed everyone to see my personal information. In  XXXX , I close an instrument with    XXXX   XXXX   XXXX  .  in   XXXX   my loan was assign over to  CountryWide Home  Loans. My hardship started around   XXXX   I started reaching out to  Countrywide Home Loans to make  arrangements on my loan. During this time, I had no idea What really happen to my loan until now therefore, I was unable to address these issues earlier.   I will be reaching out to other government agency in order to save my home from foreclosure

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 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: CT

Complaint narrative:
On  XXXX   XXXX ,  XXXX  received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is  the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS  on  XXXX   XXXX ,  2017 .     S ince, ACS has no t posted the payment. They said it  could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business  days, I asked a customer service representative if they could contact  XXXX  to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at  XXXX  XXXX  XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.

Company response to consumer: Closed with explanation