vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been the victim of wire theft involving Wells Fargo. 

On XX/XX/2018, I wired {$220000.00} to a Wells Fargo account - I believe in XXXX XXXX - ABA XXXX, Account number XXXX. 

I was in the process of buying a home in XXXX, PA. I was paying cash rather than taking out a mortgage. I am a XXXX-year old retiree with no current income and was using my savings to buy a new home. I was instructed to move the above amount by a wire fraudster using the name and email format of my Title Insurance Company with whom I had been corresponding on a regular basis. 

I discovered the theft within 3 days and notified my bank XXXX in New York who then contacted Wells. 

XXXX received 2 sets of repayment from Wells Fargo on my behalf - {$34000.00} and {$22000.00}. These were credited to my account on XX/XX/2018. 

A remaining {$160000.00} has yet to be returned to me and I have received no information on how the amount returned was calculated and where the rest of my money is.

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 2018-12-07 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: MO

Complaint narrative:
XXXX XXXX XXXX 's XXXX, Obtained and Ran 10 hard inquiries on my credit report without my authorization when I was shopping for a vehicle. This dealership was aware that they are not supposed to run 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 explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Yesterday, I received a phone call from IQ Data. They threatened to report me to a credit bureau for not paying a debt I owed. When I pressed them on the debt, they told me they had sent numerous letters to XXXX XXXX XXXX. I do not ( not have I ever ) lived at this address. They said that fact was irrelevant. I asked to speak with a supervisor. 

The supervisor was even worse. She raised her voice to me and even egged me into suing, saying they love to be sued. At this point, I heard cheering in the background of the call, so I assume her coworkers approved of her belligerence. When I tried to resolve the debt through a payment plan, she insisted I pay all or nothing. 

Today, IQ Data called my elderly father, a XXXX XXXX survivor, and harassed him. They apparently implied that they had been hired by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2018 - Received an email stating that open XXXX Money market savings account and deposit total of XXXX by XX/XX/2018 to get XXXX $ bonus ( Attached email stating full terms ) XX/XX/2018 - Opened account and funded with XXXX $ XX/XX/2018 - completed total of XXXX transfer XX/XX/2018 - Contacted CSR from capital one to check the status of bonus, CSR replied that i need to fund within 10 calendar days ( which is nowhere mentioned in the email i received ) and also stated that i need to maintain XXXX for 60 days ( which is mentioned in email as deposit XXXX but not mentioned anything like i need to maintain XXXX ). I wanted to verify the terms i received so i disconnected by stating that i will call back XX/XX/2018 - Contacted again and CSR was saying contradictory information stating that cumulative XXXX is ok but need to deposit everything within 10 calendar days, which again not in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I was not notified any any form before business listed derogatory information on my all three credit bureaus as required by law. I notified business and also went through XXXX XXXX XXXX requesting business send proof of notification before placing negative information on my credit report but business has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: IN

Complaint narrative:
Equifax is showing two loans with XXXX when there is only one and it was  paid off in XX/XX/XXXX. They are still showing a XXXX XXXX late payment when it is a student loan in deferment. I called XXXX XXXX and they never called Equifax to report delinquency. I have one mortgage loan with XXXX. Equifax put on a Hard inquiry for a mortgage and there is also a hard inquiry from XXXX in XXXX. I never ever had XXXX especially in XXXX when I live in Indiana. Every time I turn around there is another issue. My credit score was XXXX until this happened. The XXXX account should be closed and there shouldn't be two. The hard inquiries especially from Equifax should be deleted and the XXXX XXXX account should reflect deferment since they were never contacted. This is very frustrating. I have worked hard to get my credit in the 700 's then this ... .I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This company posted a {$74.00} debt collection to my account. I tried calling to remove from account but personnel were very rude and would not provide clear explanation on nature of debt claim. Prior to this transaction posting to my account, I have never been contacted to solve issue prior to it taking a detrimental impact to my credit report. Shameful to delegate such authority to firm like these.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX WayPoint Resource Group add a debt {$330.00} to my XXXX report. I sent a verification letter and disputed the debt as not mine. This account was once deleted from my report on XX/XX/XXXX by XXXX XXXX XXXX which sold the deleted debt to WayPoint Resource. This is not my debt and verification has not been established.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm having little problem locating my receipt but o still have items I purchased and my husband 's debit card we paid with. 1 or 2 weeks ago we went to the KOHL store to do XXXX shopping on the check out cashier advised to open a credit card I agreed she asked me to follow instructions on the screen. After I completed all the steps she asked other cashier to help both of them standing looking at the screen and then they say can we have your State issued driver 's licence, which I understand why it was requested but I left mine in the car. I said I left it in the car I parked pretty far it's already took quite a while so I think we should cancel everything I want to cancel the process. BUT CASHIER XXXX XXXX  ID of my husband and said thats fine we still can process. I felt it is not right so I rejected and asked two cashiers to cancel whole process and just let me pay with debit card. They looked disappointed but followed the instructions. Today XX/XX/2018 i receive missed call from KOHL with voice mail asking to call nack after spending more than an hour on the phone and constilently on hold finally representative named XXXX states you approved for {$400.00} credit card and we will mail it to you shortly. I was in shock and told him I'm sorry I don't want to get anything what do you mean you will send me credit card and for now I can use my ID to pay for time being. Representative got very mad and started yelling at me and saying that I said to process it. I rejected I recapped exactly what I said to him and continue yelling I nicely asked him if u can talk to a supervisor or manager and asked hime nicely not to yell at me. HE PUT ME ON HOLD ... after a while he came back and said they will send me letter about and now they will cancel credit card. I asked him again may I please speak to a supervisor. Representative said we will call you back tomorrow I asked May I set preferred time for supervisor call back, representative I'll ask them what time would you like I provided preferred time and took the survey and shared my absolutely dissatisfied experience. 
Because it was department store I decided to call centralized office I called and spike to a nice representative, who took all information for complaint about terrible customer service and advised data will be passed to district manager and they will address the matter but nothing about opened credit card which I did not ask for and was accepted with wrong ID. WHICH makes me feel whoever witj information easily can open cards and use my identity very easy without any proof for the data is for the person who is actually applying. 
Please advise and take needed action to prevent such actions opening credit cards when people rejects them and open cards without any identification for the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Peak Acceptance, LLC.
State: TX

Complaint narrative:
Traded in a XXXX XXXX financed through peak acceptance and purchased a new vehicle financed through XXXX XXXX. XXXX XXXX   paid of remainder of loan to Peak Acceptance but Peak Acceptance failed to process last payment in a excessive amount of time then noted my last payment as 30 days late on 3 credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a car Loan with Capital One Auto Finance on XX/XX/2016. I had some mechanicals problems with the car and took it to the dealership. The car never got out and I got an offer to buy a new car. I did so but this car loans keeps appearing as a charge off. It is being reported incorrectly. This account should be closed and stop affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I signed up for XXXX premier as my ID was hacked into. I found out I had derogatory reports and have paid them over 3 months ago, some longer ago. I have repeatedly called these companies and the negative reporting has re-appeared. 
# 1. XXXX XXXX out of California bought my Care Credit account from Synchrony Bank I owed them XXXX they tried charging over XXXX XXXX. We agreed upon an amount and I paid it. They agreed to report paid in full with a XXXX  balance. It still shows up on XXXX as owing over {$600.00}! 
# 2. I had an XXXX Credit Card with approximately $ XXXX-XXXX balance. I tried numerous times to call them after getting out of the hospital, as did XXXX XXXX. In XX/XX/XXXX they agreed to accept {$320.00} as a paid in full I tried along with XXXX XXXX to accept this offer and pay them off. XXXX XXXX tried again in XX/XX/XXXX and XX/XX/XXXX. They said they can't talk to us??? We don't understand why it's still being reported and it shows up as {$1000.00}. being owed on my XXXX  report. 
# 3. XXXX XXXX reported I owed a bill to XXXX XXXX XXXX for {$270.00} and {$210.00}. They removed it as XXXX XXXX repeatedly called the hospital to let them know I had insurance that covered the bill and to bill the insurance. They did and removed it from the other credit bureaus but not XXXX! 
I was hospitalized repeatedly from XX/XX/XXXX throught the end of XX/XX/XXXX with XXXX and am now completely XXXX and on XXXX. XXXX XXXX is trying her best to repair my credit but no one is co-operating in removing these from my report even though they were paid or reporting things incorrectly. 
All items on the derogatory report have been paid except XXXX/Synchrony. Who refuse to accept our call or remove the derogatory report. 
XXXX, XXXX is paid as is a negotiated XXXX bill that was charged up by a former girlfriend.

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 2018-12-07 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: MoneyLion Inc.
State: SC

Complaint narrative:
In XX/XX/2018, i took out a loan with Moneylion to help with my credit. My loan payments as well as the membership payments were deducted from my checking account. In XX/XX/2018, my checking account had to be closed due to fraudulent activity. I called Moneylion and reported this and gave them my new accoynt information. My loan payments were coming out of my checking account, however the membership payment did not i attempted to pay online but it would not let me I called Moneylion once again and gave them my checking account infornation again and was assured it was taken care of My loan payments continued to come out of the correct account but membership payments did not So again i tried emailing them i received a message back saying they coukd not locate my account I called yet again and was told that my membership payments were trying to come out the closed account and the customer service representative was very rude and even scolded me. so once again i updated all of my information When my next loan payment came out my membership payment did not. i tried calling again several times. i would sit on hold for 30-45 minutes each time before the call would be dropped. My loan payments continued tocome out of the correct account In XX/XX/XXXX my credit score dropped 61 points only because Moneylion reported my membership payments as late I called again and after being on hold for almost an hour i spoke with a male representative who told me that i wasnt making my payments and then hung up on me I posted to their XXXX page what had happened and was then contacted by a woman who claimed to be a supervisor She apologised and assured me that she would take care of the situation. she also told me to dispute the credit entry with XXXX  i waited for over 2 weeks to see the changes she had promised me on my account nothing was ever done. Mid XX/XX/XXXX my credit score dropped again another 43 points. Again only because of Moneylion. I call again daily for almost a week unable to get through. on XX/XX/XXXX i finally am able to speak with someone. i again updated all of my information. The customer service representative i spoke with apologized and told me that they had messed up and assured me once again that it was all taken care of. i set up for my membership payments to start coming out of my corrEct account on my next payday. He then tokd me to contacT XXXX  and dispute the entry. i disputed the entry with XXXX as well as XXXX. i received notice today that Mobeylion had cobfirmed with them that the entry was correct. So i call them again. The csr this time assured me a supervisor would be calling me right back. Now 3 hours later i am still waiting. i have been trying to resolve this for now going on 6 months. And again my loan payments cobtinue to come out of the correct account and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was contacted by Wells Fargo regarding my loan which is less than one year old claiming they made a mistake on the taxes on my loan. Then I was told it was a property tax increase. I had opened a fixed loan and my payment was to remain at XXXX for 30 years. They claimed it was an escrow shortage now i am being asked to pay well over XXXX dollars. I am on a fixed income and this is not what I expected with a 30 year fixed FHA. 
Do I have the right to stick with the original contract.

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 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo & Company continues to send me letters despite the fact that I have told them to stop contacting me on over 5 separate occasions. Wells Fargo & Company continues to harass me with letters, phone calls, and aggressive collection tactics. In fact, Wells Fargo & Company also submitted false information to my credit reports, including but not limited to, submitting false address information of myself, as a retaliation method so that it would be difficult if not impossible for me to open an account at another financial institutions because my true address would not pass XXXX/XXXX  checks the other financial institution would conduct by comparing the address I provided with the false address Wells Fargo & Company submitted to my credit report.

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 2018-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In 2017, XXXX XXXX XXXX  falsely reported that I missed a payment and at the same time closed one of my accounts without any notice causing my credit score to drop.

As result, I called and had the account closed and XXXX XXXX XXXX said that they would correct it with TransUnion. On an unrelated matter, XXXX XXXX alerted me that there was a negative item on my TransUnion report and it was from XXXX XXXX XXXX. I called TransUnion, XXXX XXXX XXXX XXXX response was to send me a text stating that my account was still open and that I owed them {$28.00}. 


When I called XXXX XXXX XXXX, they claimed that they were unable to help me.

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX  ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation