vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
This collections agency appeared on my credit report with me having no knowledge of them at all. I have never been contacted by this agency nor have I gotten any mail regarding this. After reviewing this collections agency on the XXXX  website via the reviews left, they are known to be fraudulent and very much a scam. This has impacted my credit score significantly and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened up a business checking account at Wells Fargo in branch with a business banker. There was a promotional offer for a {$500.00} bonus after meeting a few requirements. These requirements included depositing at least {$2000.00} within 10 days of opening the account, having a minimum {$2000.00} balance on day 60 after opening the account, and posting 5 transactions by day 60. The banker gave me a statement showing that the new account was opened with the promotional offer attached, and the minimum {$2000.00} was transfered into the account on XX/XX/XXXX. I met all the requirements on day 60 ( XX/XX/XXXX ) and then waited for the {$500.00} bonus to post to my account. After several days, I messaged Wells Fargo inquiring about the bonus, and they replied that it will post within 30 days after meeting the requirements, which is correct per their terms in the offer and should have been executed by XX/XX/XXXX. I then inquired again, and they replied back that it will now post within 45 days ( XX/XX/XXXX ) from meeting the requirements, which is already against their own terms & conditions. On XX/XX/XXXX, I went into the Wells Fargo branch and met with the same banker I opened the account with. He went through my transaction history and confirmed that I met all the requirements and then spoke on the phone with the back office where they stated that my initial deposit was invalid. The banker then proceeded to escalate the issue and said that he would get back to me in a few days. I also then inquired Wells Fargo through their online system, and their online customer service was now saying that the account was never opened with the promotional offer. I have a paper statement showing that the account was indeed opened with the promotional offer, and I also inquired with my banker again, and he confirmed too that the account was opened properly. Messaging with other representatives, they were all coming up with various different and contradicting reasons on why the bonus had not posted and Wells Fargo seems to be dragging their feet on the issue. After day 45 from meeting the requirements, the {$500.00} bonus still has not posted, and I feel incredibly deceived by Wells Fargo.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-16 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: CA

Complaint narrative:
I only applied for 1 credit card from XXXX XXXX XXXX on XX/XX/XXXX, and there should be only one hard inquiry but I find two. Please remove one of them.

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 2019-01-16 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: MS

Complaint narrative:
I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Service of Logan, Inc.
State: WA

Complaint narrative:
This company was given to me by a broker to purchase a property. they approved me in XX/XX/2018 and still havent done the loan after I paid them XXXX for down payment and fees. Since they didnt fund the money i lost the sale of the property in XX/XX/2018. I gave them down payment money and money for all kinds of fees in the tune of XXXX, XXXX XXXX ,XXXX and more. I wired the money to an acct and was promised after the last fee i would get funded. 

But every time i came thru with the money they came up with another fee. Then in XXXX the EVP and CEO said no more fees after I pay this last one i would be funded. and guess what they asked for another fee from the investors. A commitment fee of XXXX. That was it, I was done, Now they wont give me my money back and are telling me I will only get back 53 % which is {$68000.00} and they are keeping XXXX and for what. and I wouldnt get it back for 6 months. Now i never was given a fee schedule upfront, nor was i told about any extra fees only a down payment in which I paid. 

I didnt get the loan and tried to cancel many times when they kept coming up with fees and all they would say is lets work together to get this money. I will help you. So they said they had people putting in money to help me and when i had the last part of XXXX in XXXX, i was told they gave some money back so i owe more. this was a total lie and scam. Theyhave made up so many fees and lies and I asked many times for this in writing and I never got it. And the CEO said no more fees and they did one more fee. Everytime i heard this actually 8 times. I have all the emails and text for the past 10 months that i can provide to you.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 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: MS

Complaint narrative:
I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: MS

Complaint narrative:
I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

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 2019-01-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that this account is deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I made a paid a merchant twice by accident from my PNC account. Because the merchant was due the money, ( since I was behind ), they denied my request for reimbursement. I then called the bank, knowing that I did not have enough finds to cover 2 payments, they put in several request for me to get my 2nd payment back. Each time I was advised it had been denied. So I opened a case with XXXX   about the merchant. Their findings was that the money was returned when I filed with PNC, asking for the money back. So where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Single purchase made on XX/XX/XXXX for {$140.00} with a new account discount applied of {$36.00}. Statement billing cycle closing date XX/XX/XXXX with a balance due of {$100.00} on XX/XX/XXXX. Items from XX/XX/XXXX purchase were returned to the store for full credit on XX/XX/XXXX. Credit applied for the full purchase price of {$140.00} and the discount of {$36.00} was charged back. Leaving a balance due of {$0.00} on XX/XX/XXXX. A second purchase was made on XX/XX/XXXX for {$59.00} which was part of the next statement that closed on XX/XX/XXXX with a due date of XX/XX/XXXX. The statement that closed on XX/XX/XXXX also included a {$27.00} late fee. I was able to have that waived after having to explain that the items from the XX/XX/XXXX purchase were returned and full credit was applied which should apply to the balance due for that billing cycle, as since the item was returned I would not be responsible to pay for it. As a result of not paying a payment in XX/XX/XXXX they have flagged the account as past due for failure to pay additionally they have shut down my online access to make the payment that is due on XX/XX/XXXX for the second purchase of {$59.00}, leaving the only way to pay is over the phone or in person. Two issues of concern - One how many others are paying late fees or interest for returned items. Secondly and equally important is that they are reporting to the credit bureau inaccurate information lowering credit scores.

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 2019-01-16 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: NJ

Complaint narrative:
While checking my small business credit score I noticed that there are two accounts on the report apparently grading my business credit score an F. They also have a business credit score of XXXX as a high risk account. I have no knowledge of these accounts nor is the address of my business correct. The credit bureaus are using my home address but the account is still fraudulent and I would like this information removed. I have not had any business credit until XX/XX/2019 from XXXX in which I could provide proof. The account is a Printing and Publishing account that is over 6 months old and has nothing to do with my business. I would like the credit bureau to provide me with a contract or written proof of some sort that this is my account. Otherwise under the Fair Credit Reporting Act I would like this account removed immediately. I am also sending this complaint to the credit bureau as well. This information is affecting how fast I build my business credit which is now a major focus of my 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 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: GA

Complaint narrative:
I am writing in regards to Granite State Management Group who was sold my student loans to following college graduation to pay back these loans. I unfortunately had no money in the economy downturn crisis coming out of college of XX/XX/2007 and did what I could to pay off the loans accordingly. I had a few late payments to which they recorded in my opinion on my credit report 4 different times between the accounts. Now over 6 years later I contacted them in regards to working with me to take these off and they had no care to and just directed me to file a complaint and let y'all take it from there. I do understand that at the 7 year mark is when these red flags should taken off my credit report to which I will make certain that does happen before then or on that very date. i am so close it would make sense that they are taken off promptly. Let me know what you all need from me to keep this inquiry alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : Discover Card XXXX account # XXXX, XXXX XXXX # XXXX and XXXX # XXXX. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. 

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX   report in the mail yesterday. 

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some  point. I have never applied for a Discover Card, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with XXXX. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.

GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 The above is the original compliant and request for assistance. I called the company regarding paying off my account before vacation in XX/XX/2018. I learned that there was an overpayment in the amount of {$700.00}. I was sent a check for that amount. During the next billing cycle, I notice that {$700.00} was posted to my account as a sale and included in my bill. I called to dispute this and to date there is no resolution with regards their clerical error. The amount is shown as + {$700.00} sale. I spoke with several supervisors at least twice monthly and asked that the amount disputed be removed. I have stopped using the card and paid all but the {$700.00} that was added to my account. XX/XX/2018 {$23.00} interest charged XX/XX/2018 {$19.00} interest charged XX/XX/2018 {$16.00} interest charged XX/XX/2018 {$27.00} late fee charged XX/XX/2018 {$17.00} interest charged I called again regarding the posted charges and a supervisor assured me that since there is an ongoing dispute the charges would be removed. However they are still posted on the account. Pleas help me with this dilemma. Thank you in advance.

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 2019-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: iMove Mortgage, LLC
State: PA

Complaint narrative:
Received a physical letter in the mail from iMOVE Mortgage in regards to our FHA waiting period ending. After reading and receiving the letting, I called the company this morning at the number on the letter, XXXX. 

The gentleman who answered the call was rude and was arguing over my request to simply remove my address from future mailings. I informed him as well that if I would be interested in refinancing in the future, I would initiate that with a company of my choosing. 

At this point, I do not truly know if my address will be removed from their mailing list as requested. The argumentative behavior from the gentleman was unnecessary, impolite, and bad business. This simple request should not have been treated as such.

Company response to consumer: Closed with explanation