vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weinstein & Riley, P.S.
State: GA

Complaint narrative:
Weinstein & Riley, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: APO LLC
State: IL

Complaint narrative:
I was approved for a loan on XX/XX/XXXX of {$400.00}. My 1st payment was due XX/XX/XXXX. Prior to that date I opened a new checking account and they are one of several creditors I forgot to call to update my new banking info also due to me being out of the country I was not able to contact them. On XX/XX/XXXX, 4 DAYS after a missed payment I received a text threatening to garnish my wages which is a violation of UDAAP act and FDCPA laws. On XX/XX/XXXX my payroll received a garnishment order from Advance Paycheck to withhold 15 % of my wages every pay period. The notice sent to my employer states I received a copy of the writ order which is very misleading. Where's the court order, validation, copy of notice ( when was it sent and to where? ). Advance Paycheck NEVER sent me a notice or a copy of the garnishment allowing me to respond not resolve the debt nor have they called me. My wages are now being garnished which has caused a hardship because I haven't had prior notice in order to make arrangements. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NY

Complaint narrative:
PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.

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 2019-10-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.

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 2019-10-28 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
In XX/XX/2017 I bought a mattress from XXXX XXXX in XXXX XXXX it was financed through XXXX XXXX. In XX/XX/2017 the mattress was returned and XXXX XXXX delivery picked it up from my home. XXXX credit shows it on my report as delinquent of {$1000.00}. The mattress only cost {$590.00} and we returned the mattress so we owe no money and certainly aren't delinquent. XXXX said we needed proof that it was returned. The company we bought from picked it up. We can no longer speak to mattress overstock because they are permanently closed. We shouldn't have a charge off on credit report for an item we don't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I signed up for an account with Citibank with a promotion where depositing {$15000.00} for 60 would result in a bonus of {$400.00}. There were some snags along the way because the original account was compromised and {$7000.00} was stolen. Eventually that money was recovered but because the account was compromised, I needed to reopen the account. I met the terms of the promotion by holding {$15000.00} from XX/XX/XXXX to XX/XX/XXXX ( 90 days exactly ).

I contacted them 2 about the bonus, was redirect, and got the run around. They claimed I had only held the {$15000.00} for only 30 days. In entirety, because of the first compromised account, Citibank has had this money since XX/XX/XXXX, almost 6 months without moving forward with this bonus. 

Also, their handling of the compromised account was terrible. I was locked out from online access. I had to open a CFPB complaint to regain access and I had to do the detective work on my own. Citibank also did not properly close the compromised account and continued to try to bill me. Only a CFPB complaint resolved that 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 monetary relief
Consumer complaint received 2019-10-28 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:
I signed up for the {$400.00} Wells Fargo Everyday Checking offer on XX/XX/2019. I've received an email indicating I was eligible for the bonus offer and that within 45 days of meeting requirements I would receive the bonus. I met the bonus requirements of three months of consecutive deposits at the end of XX/XX/2019. Wells Fargo not only did not deposit the bonus within the 45 days, they are now trying to deny me the bonus. I've now spent half an hour of my time talking to them over the phone with no resolution. Not only were my recorded calls unhelpful, I was bounced around to different departments with no end in sight. It seems like Wells Fargo will do anything to get you to open an account, but never follow through with their bonus offers. Last agent indicated I opened an account, but the bonus tag was never applied. That is absolutely fraudulent of Wells Fargo and I can provide the recorded call stating such. 

Case number : 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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: TN

Complaint narrative:
Account # : XXXX Reference # : XXXX I mailed a letter ( certified via USPS ) on XX/XX/2019. It was delivered to the company on XX/XX/2019 at XXXX XXXX. I mailed a 2nd letter ( certified USPS ) on XX/XX/2019. It was delivered on XX/XX/2019 at XXXX XXXX. The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.

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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.

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 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX my husband ( now ex-husband ) stopped paying for our house as he filed for divorce. At the time, President Obama introduced the Home Affordable Modification Program. Our kids ages were ( XXXX, XXXX, XXXX, XXXX ). One of the key stipulations to qualify for this program was going through a divorce. Since XX/XX/XXXX through XX/XX/XXXX I sent numerous applications and exchanged hundreds of emails with Citi mortgage to qualify for this program. They repeatedly requested the same documents ( see email with XXXX XXXX ), and every time I completed the forms and submitted the documents. There was never a clear response on the status quo. XX/XX/XXXX, I transferred my college credit hours to XXXX University and completed my XXXX  degree on XX/XX/XXXX. I acquired a full time position to start paying for the house. I saved every penny and told them I can start paying on the arrears, and they never gave me permission. XX/XX/XXXX I found out they sold my mortgage to another lender, and the lender told me they never participated in the bail out money thus I don't qualify for the HAMP program. We were devastated, and my realtor suggested that I sell the house in a short sale before they evict us. We sold the property at XXXX and within 8 months the owner sold it for XXXX. I feel Citi mortgage cheated us out of our home. Hard earned money that we invested into this home, was taken away from us. On XX/XX/XXXX we arrived through a sponsorship and we worked very hard to acquire this home. We came to this country legally, and earned citizenship through the proper channels. My children and I are unable to acquire a home in our neighborhood due to high prices. I am requesting that Citi Mortgage refund our house at the value they took from us. It is our right to own the home we worked so hard for 14 years. 

CitiMortgage, Inc. Loan # : XXXX Customer Research Team XXXX XXXX XXXX XXXX , MD XXXX Contact Person : XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was notified in XXXX that Capitol One would be taking over my account with XXXX XXXX. I dont like Capitol One. On XX/XX/XXXX XXXX took out their automatic payment of 82 dollars. That left a balance of {$2500.00}. I went to my bank in the XXXX and had them payoff the balance in full. That was sent right out by the XXXX and the account was closed. Everything was on time and in the correct billing cycle. This week I received a bill from Capitol One for {$88.00} due XX/XX/XXXX. I calmed them and they said interest is still accruing and I owe them {$61.00}. I told them I closed the account they said no I could not close the account and even though there are no purchases interest is still accruing and I cant close the account. What?? I owe them nothing. Account was paid in full and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I had transferred {$600.00} from my checking account on XX/XX/XXXX and was told that the money was available that day. I informed the receiver that the money was available. When he went to collect the money, it was not there. On XX/XX/XXXX the money was taken from my account. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the bank was holding the funds. Not once was there an explanation of how to open a case. On XX/XX/XXXX I opened a case and was told I should get an answer between 24-48 hours. I called on XX/XX/XXXX and was told it would take another 24-48 hours. I called again today for a status and was told that it would take another 24-48 hours. The funds are missing and their customer service is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NJ

Complaint narrative:
Equifax Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS EXPERIAN IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Our mortgage through AmeriHome Mortgage was satisfied ( closed ) on XX/XX/2019. We have been waiting on escrow and overpayment refund for 27 days. The automated phone system states that all monies owed back to the customer would be released within 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NJ

Complaint narrative:
XXXX Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with transunion

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 2019-10-28 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:
XXXX  Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also Experian is reporting a fraudulent XXXX credit card and same with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
For the past month, I have been getting at least 10 or more phone calls per day from paypal credit. They are no leaving any voicemail. I have reached out to various | '' agents '' of theirs and telling them i am unable to pay the minimal payment at this time. ( it was XXXX ) I instead paid XXXX. With intention of getting this bill caught up. I've had a family emergency that utilized my extra funding. But with disregard to my requests of not receiving further calls throughout the day and night, they continue to come. PayPal continues to increase minimal due each month, making it that much harder to pay

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.

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