vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you

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 2019-06-17 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On Monday, XX/XX/2019 I went to the Citizen 's bank in XXXX, Massachusetts to consolidate a CD, a checking account, and a savings account into an estate account for my deceased ( XX/XX/2019 ) client. I am an XXXX and a successor trustee named in the deceased 's Trust. The bank is telling me I am " not on the bank 's owner of record as a successor trustee '' therefor I can not access any funds now! I have made several deposits and written many checks from the checking account for months, up to XX/XX/2019. My client had XXXX for over one year prior to her death. 

I know the bank is wrong as I have administered many trusts as a successor trustee and never had a problem before. 

I showed a death certificate, an IRS form showing an EIN, and the Trust which the bank had a copy of, and bank statements. 

The person I spoke with had no business card and would not give me his name, " I'm from another branch. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Team, I was out of country when my 1 payment was Late and Wells Fargo Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you

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 2019-06-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
NJ FEDERAL COURT-XXXX Docket # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX Docket # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court Docket # XXXX Not mine account. Please delete. 
WELLS FARGO DEALER SVC.ACCT # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX ACCT # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court acct # XXXX Not mine account. Please delete. 

The following accounts are not mind account. No knowledge account. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: HI

Complaint narrative:
On XX/XX/2019 @ XXXX & XXXX I did 2 transactions at a ATM owned by XXXX  ( XXXX XXXX XXXX ) for {$500.00} the first transaction which is XXXX had went through and I received the funds so I went to take out a second {$500.00} trans # XXXX and  it DID NOT give me my money it was a cash dispenser error that accrued I currently filed a Dispute with usbank XX/XX/2019 for a transaction XXXX ( atm trans # ) Usbank had disputed transaction XXXX   which is the wrong transaction number so when they got the fax back from XXXX it said no error accrued. On XX/XX/2019 usbank had sent me a statement from ATM owner XXXX showing why they denied my dispute and it clearly shows that they flied the wrong trans number they filed for the transaction I did receive. I went into XXXX which is the atm owner and they had stated that usbank indeed filed for the wrong transaction number and thats the reason why it got denied XXXX had also provided me with a case number and any additional information usbank would need to help me resolve my case BUT usbank is refusing to help me Ive called multiple times and spoken to both dispute office and my case had been also escalated and NOTHING. They make me wait the 10 days and dont notify me of status or anything I got ta call for them to tell me they will not do anything to help me and they cant file a additional dispute because the original one had not gone in my favor. They also tell me okay Ill file another dispute then tell me wait the 10 days and I call back and they tell me oh no we cant do anything. Ive spoken to multiple managers and they all been very rude especially this last one who claims to be the supervisor. XXXX! All Im asking is that they do there job and file the correct claim!

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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY COMPANY IS IN VIOLATION OF THE FCRA. THEY HAVE AN ACCOUNT ON MY XXXX   CREDIT REPORT THAT IA NOT MINE AND DOES NOT BELONG TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I asked Walmart to close my account. For some reason they are still sending me statements and adding late fees to my account. What should I do is that right rhat they are doing this according to agreement.

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 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX  XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX  XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX  XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: ERC
State: FL

Complaint narrative:
XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have XXXX identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
on XX/XX/2019 and XX/XX/2019, I deposited checks I received into my account. I waited for the checks to clear to make sure they were legitimate. the checks cleared and I used the funds. the first check was then returned unpaid & the second check was returned to the sender after it had already been cleared and a portion of it was used by me. is this legal. I talked to the bank but nolt getting any satisfactory answers.. the amounts were XXXX and XXXX. its causing a lot of mental, physical & emotional stress to me & my wife. can you help me resolve this.

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: IL

Complaint narrative:
Was charged {$140.00} in interest, however per the recorded phone call on XXXX XXXX, I was told there was a credit being given back to me. Taken the promised credit, credit from returns and payments, it covered that statement balance. Ive been a long time customer and always pay my card in full. If I was not going to be given the credit, they should of not told me and I would of paid the difference to avoid interest charges.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XX/XX/2019 Had to contact a Advocate Ms.XXXX  XXXX to receive information on the progress of Modification. I needed her to tell me now to get access into a site sent by Bayview Loan Servicing , LLC to view the status as well as any outstanding items and to be able to upload Doc.which maybe still needed. Please refer to memo included dated XX/XX/2019 from office of XXXX XXXX. Ms. XXXX stated the only update she sees at present is XX/XX/XXXX denial.I had not and have not yet received anything from Ms. XXXX office as of yet. # 2 upon asking Ms. XXXX to help me get into the suggested site, in order to review the status by tracking my account at www.Bayview Loan Servicing, LLC. Comthen go to tab ( which was no such site ) called '' My Worked Out Details '' to view status and outstanding items.There was only a My Workout Details was a Gymnastic center work out.obviously she was unable to find such a site either. Upon asking her why I was denied again and what papers were missing she stated none, it is the investor denying the modification which she stated is XXXX XXXX'.someone else suggested I send a dispute denial to Ms.XXXX asking her to forward my request to the investor on my behalf MY COMPLAINT IS WHY WASN'T I SENT A FORM TO DISPUTE OR APPEAL THIS DECISION, I received nothing on all decisions being made, XXXX Resentative Mr. XXXX XXXX has heard nothing also from these representatives verbally or posted to the uploads of my status.If not posted or contacted how would I know of progress or denial taking pla e and what would be the next steps to close Ms. XXXX did say she does not see a solution or a sale date upon my aski g where is this going I feel like this is extremely unfair and somewhat bias that I'm being discriminated against started with 2 payments behind which would have been addressed at that point except for the loan company refusing the payments no one at the loan is trying to work with me and my Representative Mr. XXXX to resolve the matter and stop trying to justify takeing my home and leave me homeless i maybe XXXX in years but im XXXX inmind I'm not senile or stupid and plan to be around a longtime still. Stop trying to steal my house and work with me and the XXXX Rep. MR. XXXX to obtain a Fair modification to benefit everybody. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX, I start a water delivery service company called XXXX XXXX by XXXX. I have 30 days try their service but after they delivered water and cooler in my home ; I return all equipment on XX/XX/XXXX, because I found that water has particulars inside. I cancel my service. XXXX company charged on my credit card for every month {$33.00} I dispute this case with XXXX card. 

XX/XX/XXXX, I received a collection letter from Associated Credit Service INC. Also, I received several harassment phone calls from them. They demanding {$200.00} plus {$190.00}. They showing that the two XXXX XXXX   Water company account, they asked two separate charges. This credit collection agency asking depth not, it is not mine plus they showing two separate case file and two different account number. 
Also, contact with XXXX XXXX water company, I spoke with the collection and credit department. The person I spoke with XXXX. I confirm that I only have one account. 
This collection company, try to collect money that I do not owe or service with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I spoke with a representative of Portfolio Recovery Associates last week and advised that I did not wish for them to continue contacting me on my cell phone. I have now received a call every day since requesting that phone communication ceases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: FL

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 explanation
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to Transunion, XXXX and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is in regards to my XXXX XXXX XXXX application serviced through Synchrony Bank. 
I was so excited to hear that XXXX was offering this, as I have been in the process of rebuilding my credit. Ive been a prime member for years and this would be a great way to help with my credit building process. 
I applied on XX/XX/2019 with my SSN # and was approved for the secured XXXX XXXX. I received an email stating that I was approved and that I could follow a link to be able to deposit onto the card. The link is XXXX. I followed the link which takes me to the help section of the credit cards listed on XXXX XXXX. There is no link or information on how to deposit to get this account going. I have spoken with XXXX support about this and they directed me to contact Synchrony Bank about this account. 
I did so on XX/XX/2019 at approximately XXXX pacific time. I was transferred 5 different times, hung up on twice, was even told that I didnt have an account. This account has still not been funded. The last representative I spoke with informed me that if I was using my phone that could be causing the issue with the link. I just tried on my laptop at work and I still get the same issue. The manager informed me that I would need to send a check to set up the account. I refused this with me stating, that the number which was dialed to get in touch with her says with options that I can fund this over the phone with my checking account routing number and checking account number. She dismissed this stating that they dont do this. 
I am very disappointed in the customer service and disrespect that I was received. This is on on my credit report as a hard inquiry and I would like it to be on there as a credit card. The business practices that was shown today by Synchrony Bank has forced to file a complaint with not only Synchrony Bank organization but also with XXXX, the CFPB and the XXXX. Its a shame that Im doing my best as a consumer to pay off my debts and to improve my credit worthiness that a company would put someone through this and yet still have no solution. 
Please contact me for any questions regarding this matter as I would like a follow up as this is on my credit now.

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a Cabela 's credit card from Capital One.

I pay all my bills on the first of the month.

In XX/XX/XXXX I paid on the principle on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was charged {$27.00} late fee.

I was told that my payment on the XX/XX/XXXX was credited to XX/XX/XXXX.

How can I pay the XX/XX/XXXX payment in XX/XX/XXXX?

If you pay in the month your payment is due it should be credited to that month.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CURO Intermediate Holdings
State: MS

Complaint narrative:
Curo management it should not even be there I do not have no idea about it I want it removed

Company response to consumer: Closed with explanation