vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Around the XX/XX/XXXX I received a call from my credit card company about possible fruad after speaking with them I called Wells Fargo because I noticed charges on my account that were not authorized by me. I filed a dispute with them. While on the phone the agent I spoke with noticed other charges and so two different disputes were files for a total of 84 charges totally nearly {$3000.00}. Wells Fargo at first awarded me a claim of {$470.00}. and then closed the case I filed a claim with the CFPB about this and Wells Fargo called me and awarded me additional {$36.00}. or so ... However, tonight Wells Fargo reserved their decision and took back the award of {$470.00}. thus bring my account into the negative of {$470.00}. 
I called Wells Fargo to find out why they did this and was told that they could not find a pattern of fraud and thus reversed the decision to award any of the funds back to me and if I had an issue with this to go to my local police department. 

So I called the local police department about this issue and was told yes I could file a complaint with them about fraud but in truth they did not have the resources to contact some 80 businesses in three states to see if they could get any information much less actually catch anyone because of the issues. 

I feel that Wells Fargo is just trying to pass the buck and really not trying to see the fraud or to solve the issue.

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 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2018 I sent two transactions using an app payment method ( XXXX ), on for {$20.00} and the second for {$200.00}, I was buying tickets from someone for a total of {$430.00} and was told I can pay the rest of the money once I received the ticket. On XX/XX/2018 I further ask information about the tickets and the person selling the tickets blocks me. Then through the app I " request '' a total of {$220.00} back from the scammer, I request it on XX/XX/2018 and get declined twice. I also called my bank to dispute the transaction and they tell me they are unable to do so. This is someone I trusted and was acquaintances with, so I was given no reason not to trust them. I then looked them up on social media and was also blocked from all of their accounts, however I saw this happened to another woman by the same guy and i have been in contact with her as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: BTH Management
State: TN

Complaint narrative:
XXXX XXXX reported malicious info to CRA. An account from XX/XX/XXXX ( according yo XXXX employee ) was reported as a XX/XX/XXXX delinquency, I'm not aware of this supposedly delinquency, as I did not receive any validation, I was only aware when I opened my credit report, I believe this an stale debt with a statue of limitation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: TN

Complaint narrative:
This is in regards to PMAB LLC. You responded to a complaint i had made and your comments back to the complaint through CFPB was that you closed the account and deleted it from my credit reports on the XXXX of XXXX. I then responded back saying you deleted it and re added it to the credit files. I have the proof to show it and I'm tired of the CFPB just taking your word for it instead of actually looking into it. Delete it from my Credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 my purse was stolen that had my social security card, drivers license, kids social security cards, chase bank ATM card, XXXX XXXX credit card in it. Some one opened a XXXX  XXXX XXXX account in my name.

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 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX ( XXXX, XXXX, Transunion ) 2. XXXX XXXX Acct # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # 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 2018-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX  Acct # XXXX ( Experian, XXXX, XXXX ) 2. XXXX XXXX Acct # XXXX ( Experian ) 3. XXXX XXXX XXXX Acct # XXXX ( Experian )

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 2018-08-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: CA

Complaint narrative:
I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
My identity was stolen. I have charges for XXXX XXXX. I contacted them to let them know it was fraud. I asked for a copy of the applications and or account used for the fraud as per my right under this department and here 's the response : The message sender has requested a read receipt. To send a receipt, click here. 


Dear XXXX, I did not speak with you earlier this week, and was not informed that your wallet was stolen. 

Since we are a law firm we must protect our clients information, but if the police make a request I can send it to them. Your name was not used and the card was provided as if it belonged to the person. 

We have already refunded the charges to your card. 

Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Main : XXXX Fax : XXXX ****************************************************************************************************************************** This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The information being transmitted is intended only for the use of the individual or entity named above. If the receiver of this electronic transmission is not the intended recipient, please be advised that any dissemination, distribution or copying of this communication is prohibited. If you have received this electronic transmission in error please notify us by telephone and delete this message and any attachments from your computer system. 

****************************************************************************************************************************** From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Affidavit of Forgery XXXX Per our conversation earlier this week, my wallet was stolen as was my identity. So I certainly do NOT know anyone by that name. 

Per the FCRA I am entitled to a copy of any and all applications and other business records relating to transactions and accounts that have that have resulted from the theft of my identity. Please consider this my formal request for records. I would appreciate the records being sent electronically via email so that I can turn them into XXXX Police. 

I will complete the affidavit this week and return to you. Do you require a mailed copy? 

I'm not clear why a refund would be issued. My bank has already flagged the transactions as fraudulent and reversed the charges. What I do need written assurance from your organization is that no further charges will occur. I've done extensive research on your firm and auto charging seems to be a matter of complaint regarding your offices. 

I look forward to receiving the copies requested and for this matter to be closed. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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:
These are the 7 inquiries I have disputed with TransUnion. TU is telling me they can not remove them unless the Financial Institutions themselves removes them, which in turn they don't recognize them. I humbly request these inquiries by TransUnion be immediately removed from my report. If you view the other credit reports, you will se what I am talking about. Right now I am paying all 3 companies to keep my reports locked. I actually feel like I am being extorted. Please let me not loose track of my initial complaint. I am in the market and I have found a home that is located in a 9-10 Score School District and these inquiries are impacting my credit from Exceptional to Very Good. And that in itself will be very costly on a 15-20 yr mortgage. I hope whoever  reads this will be able to help me, so thank you in advance. 

TRANSUNION File # XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX ( feel free to call me for any question ) 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 2018-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a Macy 's credit card and I paid my outstanding balance on XX/XX/18 using my XXXX checking account, however, they keep charging me for original amount+past due because on their end they can not locate my payment. They called me multiple times regarding this issue and said that I did not pay my balance. After several conversations, I was able to talk with a XXXX and faxed my bank statement showing the full amount payment. In spite of all these actions, they refused that I made a payment.

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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: NY

Complaint narrative:
On XX/XX/2018, a hard inquiry was placed on my credit report from Keystone Equipment Financial. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted Keystone requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, Keystone is required to remove the inquiry from my credit report. Subsequently, I've made contact with Keystone via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, Keystone has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of XXXX XXXX 's inquiry from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk

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 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I asked to company to send me a signed document with my name on it to prove the debt belongs to me. They failed to do so.The debt is also reported as a open status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One should consolidate all their pulls on my credit into 1 pull instead of pulling my credit so many times & damaging my credit score & denying me. & Capital One should approve my credit cards because I have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hey just and XXXX tried to garnish bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: CO

Complaint narrative:
I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation