vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To whom it may concern, I enrolled in Automatic payment draft with Macys in  XX/XX/2018 and I subsequently started an office renovation that pretty much required my full presence both physically and mentally at the office. Little did I know that 2 months later this would greatly affect me in my pursue to buy my first home shortly after graduating college. It turns out the automatic payment didnt kick in and my credit score took a great hit. I subsequently called the company in questions ( Macys ) and they told me there was no indication that the auto payment was ever set up, I called a second time and they told me there was a recording of me setting automatic payment a few months before but they still couldnt inform the credit bureau of this so it could be removed. I have always been a Macys loyal customer and have never allowed my account to go past 30, I have earned my self a platinum status and do not think its fair this is going on with me as I am having a hard time being approved for a house loan. If it wasnt for this my credit score would be near XXXX because I always have automatic payment set up and consequently pay on time. I hope this letter can help me remove this from my credit score. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2019-06-18 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I contacted Capital One 360 to have them reverse a XXXX payment from a merchant who did not provide me with the service that I was told to transfer money for. I contacted XXXX and because the merchant had me send money they told me to contact my bank to reverse the charge. Capital One denied my claim saying it was authorized. I never said it was not authorized, I said I paid for a service that I never received!!! They usually ask you questions to clarify what happened between the merchant and myself and they did not ask those questions to properly investigate. They did not even investigate my claim for what the actual issue was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I'm a veteran and I have been trying to sell my condo for almost a year now. The price started at {$140000.00} and after months of no interest from potential buyers the price was eventually lowered to {$97000.00}. I finally got a potential buyer who put in an offer for {$82000.00} and after about a month the bank ( Shellpoint Mortgage ) came back and stated that they wanted {$99000.00}. The buyer stayed at the {$82000.00} and after a few more weeks of waiting on the bank to make a decision the buyer lost interest then on XX/XX/2019 the bank said that they would accept {$79000.00} to close the deal. By that time it was too late and we lost the first buyer. Since the bank gave us the bottom line number that they would accept at {$79000.00}, my team lowered the selling price to {$79000.00}. Within 2 weeks we received a full price offer for {$79000.00} and then the bank took about 3 weeks and stated that they now want to get {$95000.00} to close the deal. This is unethical and unprofessional of the bank because they already gave us a bottom line price of {$79000.00}. As a veteran I have been through too much to deal with a bank that is trying to take advantage of me by going back on their original price which we got for them. I just want the bank to give the approval of the sale so that this property can go to someone that actually wants it instead of trying to bully a veteran into going into foreclosure. Any assistance that you can give is appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander charged the account off but increased the balance 2x since it was charged off. Also, they charged me 2or 3x the amount the car was worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have, through my employer, an HSA account with Bank of America. Today, when I went to pay for my wife 's prescription XXXX medication, my HSA card did not work. After a fair amount of going in circles, I got through to a representative at around XXXX XXXX., who told me that a. ) my account was frozen for potential 'fraud ', b. ) the bank had reached out through its automated process ( which it had not, but more on that later ), and c. ) this could not be fixed for 1-3 business days. When I pointed out that this made purchasing this medication ( just under {$500.00} ) unfeasible, as I did not have that much cash lying around, I was promised an escalation, put on hold, and was told that I'd have the account unfrozen within two hours, after which I would received a call. 

Four hours later, I called again, and was told the card was still frozen, but that the representative on the phone was unlocking it. I raced to the pharmacy so that I could acquire the necessary medications, and was told once again, at the pharmacy, that the card was declined. I got back on the phone for the third time with Bank of America, who pushed the former " two hours '' into " two business days '' and were exceedingly unhelpful in giving me access to my own money. 

At the end, I had to use a credit card with very high interest rates ( which, of course, they are not reimbursing, nor are they reimbursing my or my wife 's lost time at work and lost wages ), that I also had through Bank of America. At that point, I got the automated text alert, which I confirmed. Given that I did not receive that automated text alert for the previous transaction, my belief in Bank of America is gone. 

At this point, I would like Bank of America to update their policies so that this does not repeat.

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 2019-06-18 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: CA

Complaint narrative:
This is an ongoing predatory Wells Fargo strategy that likely impact hundreds or thousands of customers. I have reached out in the past to complain about the bank practice or applying overdraft debits BEFORE applying deposit credits to low balance accounts. When a customer notices an account is overdraft or about to overdraft and makes a deposit to avoid this Wells Fargo even for linked internal Wells Fargo accounts where transfers are made electronically and therefore should happen in real-time the bank applies their overdraft fee as a debit FIRST before the deposit/transfer ... Further overdrawing the account rather than FIRST applying the the deposit credit made by the account holder. In every case had the deposit debit been applied first the account would NOT overdraw the instance I am referring to occurred over the weekend XX/XX/2019 rather than DECLINING a transaction that would overdraw the account the bank accepted and processed it. when I discovered on XX/XX/2019 I made an electronic transfer from one Wells Fargo checking account to another. theoretically this should be immediate and real time as it is all digital and the accounts are internal and connected.On Saturday at the minute I made a {$90.00} transfer the account corrected from showing an {$88.00} over draft to showing a {$2.00} balance. However Wells Fargo then instead of applying the transfer in instant realtime held the transfer as " pending '' until Monday XX/XX/2019 and only applied AFTER they had added a {$35.00} overdraft fee debit, coincidentally also on XX/XX/2019. rather than my electronic transfer than my {$90.00} transfer resulting in a {$2.00} positive account balance my account ended up at a NEGATIVE {$33.00} by result of Wells applying their {$35.00} late fee before applying my {$90.00} transfer When I complained to the bank about this before I pointed out that as a best practice XXXX XXXX XXXX ALWAYS applies credits BEFORE debits. The response was " we can't speak for or address what other banks are doing. '' This experience is not isolated solely to me and it is a predatory practice and predatory source of revenue for the bank

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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NE

Complaint narrative:
I received a debt collection letter dated XX/XX/2019 from Hunter Warfield. 
The debt was identified as {$2000.00} from the original creditor of XXXX XXXX XXXX. Because I've never heard of the original creditor ( XXXX XXXX XXXX ) I sent a certified letter ( dated XX/XX/2019 ) to Hunter Warfield to dispute the debt and ask for an accounting of how this amount was determined.

Hunter Warfield replied via a letter ( dated XX/XX/2019 ) stating that they were not required by law to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: NY

Complaint narrative:
On XX/XX/XXXX a letter was sent to transunion with a copy of my social security and ID, after checking my credit report I noticed 6 unauthorized inquiries without permissible purpose, I expressed to Transunion under the fcra reporting act they should be removed, transunion responded with a refusal to remove these hard inquiries that I did not approve. Under the Fair credit reporting act there actions constitute a violation to my rights

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: AR

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX  Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX  XXXX BANK # XXXX XXXX  XXXX BANK # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # 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 2019-06-18 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: AR

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX BANK # XXXX XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A letter of XX/XX/2019 was sent to experian disputing the court name of a public record. The name listed in my credit file is not the legal name of the court. I provided verification of the court 's legal name. Experian replied they need information from me to verify myself. I included the consumer report number which is in their database. This report number is the one they provided to me with my credit file which had been previously requested by from them. I already identified myself when I requested my credit file. The address they mailed this request has the wrong street name but the post office delivered it to me. 
I included with my letter of XX/XX/XXXX, other years their office incorrectly reporting the court 's name in my credit file.

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 2019-06-18 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX 

This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. 

Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. 

I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

- Chapter 7 Bankruptcy 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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
XXXX XXXX is the company. They have done repeated phone calls to family members and friends. Will not stop calling. Will not remove incorrect numbers. Will not provide info so hiding information. Need them to STOP and CEASE calling my family, friends, and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation