vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: KY

Complaint narrative:
I have been a victim of identity theft since 2014. I am at my wits end getting these items removed. Equifax has been the worst out of all 3 reporting agencies. I have provided my FTC paperwork, court ordered paperwork signed by the judge clearly stating the accounts were not mine and now I am including my new updated police report ( this is the 3rd one in 6 years ) but yet this company refuses to follow the law and remove the fraudulent items off my report .... which makes it even worse since they are also a company who let me information out into the world

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I went to XXXX XXXX in XXXX XXXX, CA. I was asked if I wanted to apply for a XXXX XXXX Credit Card. The salesperson told me they have a store credit card that would allow me to use the credit card anywhere. I asked 5 times if I applied for their card and if I got approved I would be able to use the card at any store other than XXXX  XXXX. The lady checked with her colleague and they both responded yes. I was approved for the card. I was given a temporary receipt showing I was approved and expect the card in 7 to 10 days. I said thank you. From XX/XX/XXXX to XX/XX/XXXX, I have not received the new card. Let customer service tell it they would put in a request to send out another card. Then I was told because of the billing cycle, they couldn't send me out a card. I would have to call back in 30 days or mail confidential info to verify my identity. I called back again and was told the account was shut out by their rep. I was told the account was reopened and I will get a new card. I called back again and was told the system wouldn't allow them to send out a card to me. I was asked to verify my address. I did. They told me on their end they didn't have my apt number and that was the problem. It's funny how they added the apt number without me being required to send in documentation proving my identity but couldn't mail my card out. I asked to speak to a supervisor and they put a senior account rep on the phone. He did a absolutely nothing. He just wanted to get me off of the phone. He said mail the confidential info in or wait almost 6 months to call in for another card. He informed me that the card was just a regular store charge account and not a visa as promised. 
I was not able to reach an agreement with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: INDEPENDENT BANK GROUP, INC.
State: FL

Complaint narrative:
I met a person who I fell in love. He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. He requested money from me to finish his work. So I believed him and I sent him XXXX USD on XX/XX/2020. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. But because his contract he could not leave XXXX before he paid the workers 's expenses. He told me, he finished his work and he got his check, but he had to pay % 7 taxes in cash before cashing the check.The check amount was XXXX USD. He needed XXXX USD. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. He gave me dfferent account numbers. 
The complaint is related to the transaction XXXX USD on XX/XX/2020 sent from XXXX  XXXX XXXX to Independent Bank XXXX, TX. Imad number XXXX,, XXXX XXXX XXXX. This money was hold until XX/XX/2020 in the receiver account. I requested recall for this amount on XX/XX/2020 from XXXX  XXXX XXXX. Recall Claim number is XXXX I called the Independent Bank in XXXX, TX several times and I sent complaints to them. I talked with the bank manager XXXX XXXX on XX/XX/2020. I explained the situation on the phone to her and requested not to release the money. She told me the account was under fraud investigation. But when I talked with my bank they told me they did not get any news from Independent Bank on XX/XX/2020 at XXXX XXXX  in the morning. I called XXXX XXXX. She told me they released the money to the receiver. I did not understand how they released this money while it was under investigation and I requested recall for it. She told me It was their bank policy. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. I requested my money back. I requested refund, It was under investigation and they released the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?

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 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been trying to close my last remaining account with Bank of American ending in # XXXX. Its been nothing but a XXXX nightmare. I recently was charged over {$150.00} in additional fees from my leasing company because of a bank error, and while I have been working to get this resolved, I found out today that it looks like the bank refunded part of my money but then there is this XXXX charge for {$100.00} from XXXX that now puts this account back into the negative. WHAT THE XXXX DO I HAVE TO DO to get this account closed!!!!! 

I want this XXXX transaction reversed, I never authorized it and when I call the number I can not get a person to answer or I have to use this XXXX XXXX automation system that never half works because it makes you verify through the app and the app keeps crashing ... something is going on here that I know nothing about and I cant get anyone to help me, this is total 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 monetary relief
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?

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 2020-03-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
WF/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: WI

Complaint narrative:
I been trying to dispute this collection account that just came on my credit after the account has been paid and closed. They keep updating saying the balance are accurate when its not. I even spoke with the original creditor and they informed me that the debt has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I was sent a letter that was misleading. It states that I have a certain amount of time to dispute this and then there is another date on the back that states a different date. I disputed this right away asking for more information. I sent them a Debt VOD letter I didnt hear anything in response to that letter because by the time they could have received they sent one 2-day air stating they were going to sue me. They didn't give me any time to dispute this they also have been harassing me at work and at home. They have called my job they have sent a letter to my office. They have called my husband Millions of times asking about me. I have asked them to send more information on who they are and what they want they will give me nothing I have asked for. I called them after receiving threats they are going to forward my information to a lawyer. I don't know what personally information they have sent over to another person. I do not want them to send this information without my consent if they are who they truly say they are I would like them to verify my information me before I start giving them my hard-earned money that is not too much to ask. And if they could not jeopardize where I work That would be great. I feel like my back is up against the wall and these people are taking advantage of people that arent aware of what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Removed FTC violations then put it back on FTC violations law does not permit that with out notify me me 5 biz days Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My employer opened an HSA account on my behalf to supplement my HDHI ; I make bi-weekly contributions directly from my paycheck into said account. Verified identity on XX/XX/2020 w/ HSA Bank via customer service rep ( on phone ), submitted required documents via e-mail form sent by rep. I set up my online banking, ordered my debit card, & added my wife as an authorized user. On XX/XX/2020, checked my online banking w/ HSA Bank to confirm funds were available to pay for an upcoming XXXX  procedure on XX/XX/2020 ; funds showed a {$0.00} balance, instead of the {$600.00} that should have been available. Description of debit listed " Excess cash disbursement ''. Upon calling HSA Bank, I was told that my account had been closed due to failure to submit required identifying documentation. I was also told that 2 letters had been mailed to me prior to closure. ( I have received nothing of the kind, just my debit card & my monthly statement ). Also, there were no messages in my online banking inbox. I told the rep that I had submitted these docs via e-mail, & that obviously someone had received it, as I was able to activate my debit card, set up online banking, change my mailing address AND add my wife as a user. They recommended I call back the next morning & speak to the Operations department, as I had the successfully sent email in my Sent fold on Outlook still. I did call back on XX/XX/2020, & was told " Oh, we found the form you sent, it's taken care of ''. We will issue a stop payment on the outbound check & put your funds back into your account. You will see them by XX/XX/2020, at the latest. '' As of XX/XX/2020, I have not received my {$600.00} back into my HSA ; I received the check issued on XX/XX/2020, call HSA Bank today, & was told the check was void & they were still working on putting the funds back into my account. THIS IS TOTALLY UNACCEPTABLE ; I did have my XXXX procedure on XX/XX/2020 & had no way to utilize MY MONEY that was set aside specifically for this need. There was no error or oversight on my part, HSA Bank has negligently handled not only my personal information ( a copy of my driver license & social security card, along with my signature ) but my money that I entrusted them to keep sound. I still have no timeline as to when I will receive my {$600.00} back, & no explanation or theory as to why my personal information was not handled properly or competently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/2020, i told Cash Store, that i will have to default on the loan, due to finational issues. They stated they are still going to remove it using my debt card info. I asked to remove my payment information. They told me no. I had to change my Debit card number. On XX/XX/2020, the cash store removed the amount of XXXX, from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX  ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX was taken out of my minor childs bank account on XX/XX/17. I was never served any court documents, given any notice of the debt, given any documentation on the original creditor or any information on any contract. The bank also charged an additional {$60.00} to my childs account as well.

Company response to consumer: Closed with non-monetary relief