vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.

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 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had the Citi Sears card since 1995. I have been a responsible cardmember paying my balance off and on time. As it is a Sears branded card, I believed I was earning Shop Your Way Rewards Points. When I log onto my Citi account the Shop Your Way logo is everywhere. When I went into my Sears  Shop Your Way account ( separate website ), I was shocked to see I had {$0.00} in rewards. I called Citi and found out I was in the Thank You rewards program. I have never heard of this program. I asked what were my rewards and they said {$0.00}. There is NO mention of the Thank you rewards program on my account when I log in or on any of my statements. I use my card so I would expect I would have a decent amount of points. Citi only offered to link my card to my Sears Shop Your Way account and I would earn points prospectively. They would not give me any rewards points even for the current statement. So for the years of spending on a Sears branded card where I believed I was earning Shop Your Way points, I have NOTHING! Not one reward point. I feel I was taken advantage of and misled. I should have a decent amount of points. This is extremely disappointing.

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 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.

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 2017-11-18 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: FL

Complaint narrative:
I have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 2017-11-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I decided to reach out to the Navient in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from Navient in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and Navient took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under Navient they fall under XXXX XXXX and should be removed. How can Navient Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. 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 non-monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

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 2017-11-18 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: IL

Complaint narrative:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

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 2017-11-18 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: Equitable Acceptance Corp
State: SC

Complaint narrative:
The Equitable Acceptance Corporation fraudulently obtained my information from the XXXX XXXX company. Both XXXX  XXXX and the Equitable Acceptance Corporation contacted me in correlation to my student loan debt which are through the XXXX XXXX XXXX. After further research, both companies have proven to be fraudulent and are in no way associated the Department of Education and the repayment of my student loan debt. There has been an inquiry and " credit card '' balance added to my credit report, which has drastically degraded my score. These companies knew that they made false accusations to obtain my information and could not resolve my student debt. They have produced false documentation and false information under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BHFC Financial Services INC
State: CO

Complaint narrative:
I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: FL

Complaint narrative:
I have sent 3 certified letters to XXXX, XXXX, and transuion regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, XXXX, and transuion is reporting inaccurate information regarding this account. This is a violation of the FCRA 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 2017-11-18 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: KS

Complaint narrative:
I have been attempting to talk to a real person at Experian in order to ask questions that I can not find the answer to online concerning my application for a security freeze through them, but there is no way to contact them. They have no phone number that allows for you to speak with a real person, best I can tell, as their main phone just directs to automated services and nothing else. They have other services with phone numbers, but those are specific services that I 'm not interested in using. They have no email or similar contact method. This is absolutely absurd for a company that I need to get in touch with about the security of my 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 explanation