vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is a follow-up complaint to # XXXX Wells Fargo stated they would close my Time Account without penalty. However, the funds from that account ( {$6500.00} ) is mysteriously missing. I have called and been placed on hold by 6 different departments. No one knows anything. I need your assistance.

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 2019-06-07 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: WA

Complaint narrative:
XXXX XXXX is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. XXXX XXXX  is still illegally reporting to Equifax a debt they can not verify. Equifax themselves said they do not keep records, so how can equifax keep reporting this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I left my employer XXXX XXXX  XXXX in XX/XX/XXXX and closed my American Express corporate card ( to my knowledge ). In XX/XX/XXXX of this year I receive calls from very aggressive debt collectors telling me that I have a balance on my corporate card. That rather then sending me a letter I should immediately pay by phone. 

I assume this is a scam and I hang up. 
Then in the mail I receive a letter asking for {$140.00}. They claim I made a purchase at something called XXXX in XXXX of XXXX. 


Obviously I didnt. How did this charge go through? Why was I not sent a bill ( I was still an Amex customer. ) Why was I called by an aggressive debt collector. I called them and after being passed to 5 different people its potentially resolved but I have not received in writing that it is or that my card is actually closed ( does the card come with lifetime liability? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX XXXX XXXX XXXX an online bank took {$1100.00} from me this is the day on my birthday I cried that day I was not able to go through with my birthday plans nor did they care I also was in XXXX Georgia this time with no money XXXX they told me they will send a check within 10-14 days. On XX/XX/2019 I contacted them & they said they would 2 day ship my check to me. Today is XX/XX/XXXX and I had to email this lady ( XXXX ) 2 times before she replied to tell me I wont get a checked shipped to me till Tuesday or Wednesday or when she gives me a tracking number. This has caused me many financial problems & emotional stress. Im in debt because of these people.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Oh XX/XX/XXXX Transworld Systems appeared on my credit report as a collections agency for XXXX XXXX XXXX XXXX in XXXX. XXXX, Florida. I was a patient in the Emergency room at XXXX Hospital in XXXX XXXX, Florida in XX/XX/XXXX. The hospital had my Medicare card ( part A and B effective XX/XX/XXXX ) as well as my Veterans Medical Card that has been in affect since XX/XX/XXXX. 

I immediately called Transworld Systems, they said they could not remove the debt but could file a dispute. I never received a call, bill or any other contact regarding anything owed. 

I called XXXX XXXX billing. I was told that they had received payment from the va in Full, in XX/XX/XXXX. They told me they would send a letter and tell the collection company. To date they still have the collection on my report. I called them and requested they contact their contact. Im trying to refinance my car and purchase a Home. I  need these items off of my report. 

They refused to do anything until they were Notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
1. Constant phone calls and when I answer they always hang up the phone.

2. I finally called the number back after they would always hang the phone up after Id answer the phone and they did the following : A. Kept constantly switching their responses on why they were contacting me B. Said they havent received payment since XX/XX/2019 when they automatically deduct my account every 2 weeks for over 2 years and account information never changed and funds available. When I stated this, they then changed it to they wanted me to increase my monthly payments on it. When I stated I cant increase my payment bc I was laid off in XXXX and just started a job only a few weeks ago ; she then changed her response to I have to pay them the full amount of XXXX or either settle for {$5000.00}. She stated they would no longer accept my payments of {$50.00} every 2 weeks bc I had been paying them that same amount for 2 years. The. She stated they tried to mail me but kept receiving return to sender mail back to them. I told them they were lying bc I never received a letter from them and Ive been at my address for over 2 years and USPS does not do return to sender mail when there is someone living at that address. She didnt say anything after this. They stopped payment on this account without notifying me. Then demanded I pay the whole balance and said they wouldnt accept my monthly payments anymore. I finally told the lady they would have to contact my lawyer at 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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was an authorized user on a credit account of my fiancs. After getting married she had old debt that she could not pay so she declared bankruptcy. Prior to declaring bankruptcy she had me removed from her accounts as an authorized user but missed this account. After she filed bankruptcy and her lawyer sent out the letters she noticed she had missed this company. She called them and told them she needed to remove me. They stated oh no hes a joint account holder. I called them and they repeated the same thing to me. I told them to please send me documentation to this effect and they assured me they would. To date they have not. They just keep saying its mine and I keep disputing it. They have never called or responded to my notes saying its not mine. Now they have closed other accounts of mine and lowered limits. All of my accounts are pained on time. I have no lates ever.

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 2019-06-07 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: GA

Complaint narrative:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into a local Wells Fargo branch to make a cash payment on my Wells Fargo business secured credit card. When I went to go use the card, it was declined. When I called Wells Fargo and told them that the card was the declined they said yes it takes three days to process the cash payment when your credit card is in a over the limit status. I always make my payments in cash at the branch and the credit limit is always immediately available. But they said since i had gone {$25.00} over the limit they were going to take three days to process my cash payment My complaint is why should I have to pay three days worth of interest on credit Ive already paid back and not have access to my available credit because Wells Fargo has to process the cash. Processing is a bank term that should be used when two banks need to process a payment between each other. That is when things have to be verified. There should be no three days to process and verify cash when they input it in the system at the Wells Fargo counter and deposit it directly into the Wells Fargo vault. Theyve probably already given that cash to someone else and its already out the door! Once they take it and give me a receipt thats the process post my payment, stop charging me for interest after Ive made the payment and give me access to the credit line which Ive already paid for

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 2019-06-07 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: NY

Complaint narrative:
My Macys  XXXX credit card XXXX was last used on XX/XX/XXXX to purchase a XXXX backpack {$92.00} at Macys XXXX, New York. And the credit card account statement of {$92.00} was paid in full on XX/XX/XXXX. Since then I have not made any other purchase using this card at a Macys store. 

On the night of XX/XX/XXXX I noticed in my mailbox : XXXX, there were 2 Macys e-Receipts for purchases made in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, PA XXXX XXXX ) sent to me on XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
On XX/XX/XXXX I contacted customer service and reported the unauthorized transactions made to my account in PA, as I live in New York and did not make those out of state transactions at XXXX Macys. Also, I still have the credit card on hand with me. The representative explained to me those transactions did not go through, the card is now no good, and that a replacement card will be sent to me in 7-10 business days. 

On XX/XX/XXXX, Macys Credit Card sent an email for me to view Macys credit card statement. I logged in to check the statement - there were no activities and account balance was XXXX. 

Since then, I have not received the replacement card nor have I received any credit card statements for the account. 

On XX/XX/XXXX, I received this account past due statement in the mail from Macys. I do not recognize the account balance since I did not make any purchases, nor have I received any statement balance since my last payment on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: GA

Complaint narrative:
Experian continuance in reporting false, defamatory, libelous statements that are untrue relevant to child support. XXXX XXXX XXXX agreed to pay settlement ordered by court. In support of agreement provided attachments.

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 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 i received a paper check from my job. {$1000.00} to be exact. I took the check to my bank ( Bank of America ), i deposited the check and they told me it wouldn't clear until the XXXX. I check on my mobile app and it has a hold on it until the XXXX. I've called customer service, I've entered the bank and talked to them and nobody can tell me anything. The fact that i can't get any help from anyone is frustrating. I'm late on my bills and i need my hard earned money. It wasn't a personal check, and it's under XXXX dollars. But regardless, i need answerss and i hope this can be resolved by Monday

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I got a call from my credit card company a few days ago on charges that were appearing on my card. I was told I had charges every month from Trans Union for {$24.00} since XXXX and I told them I didn't authorize any charges from Trans Union. They gave me the number to call and when I talked to the representative she couldn't help me. I told her I ordered my credit score from XXXX XXXX XXXX on the Trans Union website but never authorized a monthly subscription. I asked her to email me in writing where the authorization took place and she said she would but she never emailed me. In addition, she said she would cancel the subscription and email me but again no email. I finally found out how to log in and canceled the subscription or at least I hope it is canceled. This is not fair to the consumer to be charged monthly fees without consent. The charges were as follows : XX/XX/19 {$24.00} ; XX/XX/19 {$24.00} ; XX/XX/19 ; XX/XX/19 {$24.00} ; and XX/XX/19 {$24.00}. They stored my credit card information and charged my card and I had no idea of the charges since I get paperless bills.

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 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: MI

Complaint narrative:
Harvard Collection Services LLC  XXXX XXXX XXXX XXXX XXXX, IL XXXX Is attempting to collect on a XXXX dollar debt that was paid in full over the phone more than four months ago. 

The money came out of my checking and went to XXXX XXXX XXXX XXXX XXXX XXXX IL. 

I hope this hasnt been hurting my credit score for four months because someone scammed me. 

The debt was on behalf of a stay at XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation
State: AZ

Complaint narrative:
On XX/XX/2019 I awoke to several alerts on my phone showing transactions that occurred overnight. 6 at XXXX totaling {$870.00}, 1 at XXXX {$87.00}, 4 at XXXX XXXX XXXX - {$230.00}. I called the number on my card immediately. They said that they would send out some dispute forms for me to fill out. 

When they arrived almost two weeks later they only had the XXXX disputes listed. I had to calll and remind them there were others. I completed the forms and sent them back. 

This week XXXX and XXXX XXXX funds have been returned to my account. Today I received a letter stating the XXXX Dispute has been denied due to conflicting information. They did not tell me what the conflict was. 

I have called them several times and have been hung up on and basically given the run around.

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 2019-06-07 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: DISCOVER BANK
State: OH

Complaint narrative:
An item was purchased on XX/XX/2019 for XXXX which showed on the credit card statement for {$10.00}. It showed as 2 separate charges for XXXX and XXXX. The product was delivered. No complaints. Recurring charges showed in XXXX and XXXX for {$170.00} and {$180.00}. The listing of the charges should have shown a toll free number where the subscription could be cancelled. I have no way to contact the company placing the charges. It was not made clear to me that this would be a subscription. Even so, contact information should always be given. A dispute has been filed but has not been resolved. The problem could easily and quickly be solved if contact information was provided with the charge. This should be a requirement for any subscription charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX. I emailed my Bank M & T Bank that handles my mortgage to please send me a way to get my ex wife off the mortgage as I have bought her out of the house. They instead sent me a letter stating that I dont qualify as I had missed a payment in XX/XX/XXXX as I had a XXXX and wasnt get paid my XXXX yet and XX/XX/XXXX as my account was hacked and money was taking out. I made a partial payment and made up the rest in XX/XX/XXXX. I feel they are discriminating against as I am still recovering from my XXXX. Also they like that my ex wife set up a variable rate before she left. The divorce was final XX/XX/XXXX. And according to court orders I must take her off the mortgage and M & T bank is not allowing me to do so and they will make me in contempt of court if not or I will be forced to sell even thought I bought her out of the home. Thank you for your help

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 2019-06-07 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: EdFinancial Services
State: TX

Complaint narrative:
Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I was not receiving my monthly bank statements every month and the last statement that I got it was showing an overdraft due to monies debited by the IRS to repay a student loan. The problem is that Ive never had a student loan. I got proof from my university that Ive never had a student loan but the bank say that there is nothing that they can do. The lender is requesting XXXX {$300.00} in fees that they insist to collect from me. I got in contact with the IRS to resolve the situation. In the meantime, I requested the lender to stop the collection and reporting this negative issue to my credit profile but they insist in collecting the money that they erroneously sent to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!

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