vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/2019 I had an automatic payment scheduled for my mortgage for {$1400.00}. Also on the XXXX, I accidentally paid a second mortgage payment for approx {$1400.00}. I called Wells Fargo to inform them of the problem. They put in a work order to stop the second payment of {$1400.00}. Two days later I went to my bank to close the account and move to a new bank. This was completely unrelated to the mortgage issue. Before I was allowed to close my XXXX account they informed me that all Pending transactions had to post. When they looked it up I didnt have any as Wells Fargo had cleared XXXX days prior. Now Wells Fargo has reversed not only the XXXX payment but also the first XXXX as well. They told me to call XXXX and when i did XXXX informs me that the {$1400.00} cleared my account and was posted to Wells Fargo. I FINALLY got a person at Wells Fargo to admit they had the money but were attempting threXXXX times to send it back to XXXX. I told them to stop because I didnt want it sent back to XXXX but to no avail. Now Wells Fargo is holding my {$1400.00} while at the same time claiming I havent made a payment for XX/XX/2019?!?!?!? HELP!!!

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 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ). 

Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account. 

I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release. 

On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail. 

Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually. 

The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls. 

Many different branch reps had no idea what was going on with regards to this hold. 

During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ). 

Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank. 

We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations. 

No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney. 

She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: FL

Complaint narrative:
I have check my credit report it now shows my credit has drop by 71 POINTS!! and the only changes are XXXX XXXX  Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, XXXX XXXX : Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, THESE two disputes have decrease my score, I can NOT win with your company it seems as when I dispute these accounts I'm being hurt because of it, my credit score should NOT be affected due to opening two disputes again, Please correct and fix this error done by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have done a complaint against MCM Midland Credit recently and in XX/XX/XXXX. 

I have been a victim of identity theft and have already provided information for police report showing when I first became a victim of identity theft. 


I was a child graduating from high school and going off to cells and didn't apply or wasn't acknowledged of this company or any debt in XX/XX/XXXX. 

I haven't lived in XXXX, Florida since I graduated from high school in XX/XX/XXXX and went off to college. 


I never been to court or had any interactions with XXXX XXXX XXXX and I have once again recieved false and identity theft court documents from MCM and XXXX XXXX Courts Case No. XXXX dated XX/XX/XXXX. I was not living in XXXX during this time frame. I know nothing of this debt and someone has been using my name and information to collect debt. 


This is a scam and identity theft. This company has already contributed to defamation of character on my job as of XX/XX/XXXX which led to me losing my job after a similar judgement was sent to my job to collect a false debt from identity theft. 


This company is deceitful and manipulative and scam innocent people trying to get money and the XXXX XXXX XXXX house sign off on false judgments and act on identity theft against innocent law abiding people. 


I was a child and I had no debt or acknowledgement of this debt or what the debt is even for as I have provided police report showing identity theft. 

This MCM and XXXX XXXX XXXX XXXX steadily has been harassing me over a debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a negative thing on my credit report that I never knew about. It was from Bank of America. Its appearing as a charge off of XXXX $ and I never received any notices of needing to pay this. It says the last time I paid this was XX/XX/2017. I didnt know about this and I wouldve paid it if I ever received a notice. Please send me a bill and remove from 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 non-monetary relief
Consumer complaint received 2019-04-23 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: MO

Complaint narrative:
My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX {$120.00}, Account # 7, XXXX  {$670.00}

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 2019-04-23 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: MO

Complaint narrative:
My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX  {$120.00}, Account # 7, XXXX   {$670.00}

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 non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CARD Corporation
State: MD

Complaint narrative:
Today XX/XX/2019, I ordered a XXXX ride, the amount for the ride was {$20.00} but I was charged on my card in the amount of {$25.00} and it had XXXX XXXX by the amount. 
I live in XXXX not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine. 

Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother. 

This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: GU

Complaint narrative:
I was told to open an account with XXXX and I will get {$400.00} bonus. 

i opened it on XX/XX/2018, sent a check for XXXX on XX/XX/2018. 

I called every month XXXX, XXXX & XXXX. They kept telling me to wait for my {$400.00}. End of XXXX, I called again, they told me I'm not eligible and ask me to create a dispute with them. XXXX I called again to ask for the status of the dispute they told me I'm not eligible. 

The held my $ XXXX since XXXX promising me the {$400.00} bonus. If they have told me XXXX I'm not eligible I would have closed my account. 

Now I received a letter from Citibank stating they reviewed my case and because I closed my account, I'm not eligible to receive the {$400.00}.

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 monetary relief
Consumer complaint received 2019-04-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2019-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have a loan with BANK OF AMERICA, N.A. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA, N.A. with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23 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: HI

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, TransUnion only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, XXXX. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX, XXXX   and XXXX XXXX XXXX, XXXX. with no successful resolution. Experian, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was born XX/XX/XXXX This account was opened XX/XX/XXXX by my Father who has the same name. 
I was only XXXX at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2019-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My previous Kohl 's charge is being reported as a charge off for XX/XX/2919. I paid off the account in XX/XX/2019, so it should not be showing a charge off for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form 1098 for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XXXX and XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have a loan with CAP1/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAP1/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAP1/XXXX with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: GA

Complaint narrative:
The credit card is set up with US Bank to auto-pay the full balance monthly and has worked well until XX/XX/XXXX. For XX/XX/XXXX, US Bank initiated the payment but did not post it until after the statement cutoff and showed the balance indicating the payment is overdue.

I contacted US Bank and was told all was well, the payment was posted but after the statement cutoff. In XX/XX/XXXX, the ACH showed up but was not for the outstanding balance after the XX/XX/XXXX payment was applied, rather US Bank took the entire amount for XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX ; even through US Bank already received XX/XX/XXXX payment ( {$3100.00} vs. {$1000.00} that remained after the US Bank applied the XX/XX/XXXX payment ).

Since I budget funds in my checking account sufficient to cover actual debts between paychecks and invest the rest to earn a higher yield, this nearly double charge, if not timely remedied, will invoke my overdraft line of credit resulting in interest charges. I expect reimbursement for any costs created by US Bank.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I learned on XX/XX/XXXX, from USAA that On XX/XX/XXXX, a USAA credit card application was initiated and approved using the USAA member number XXXX in my name XXXX XXXX XXXX for an individual account that I did not open. This XXXX card required a USAA member number that I did not know, nor did I ever know I had. It reported a monthly income of XXXX which is not accurate. I was unaware that I had access to a different XXXX USAA credit card with a XXXX limit. The XXXX USAA card was opened jointly in XXXX and approved using my income, but without my knowledge or consent using the same member number. On XXXX XXXX, XXXX, The records show a change of address for XXXX XXXX to XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX VA. The same member number was used on the same day for this new application with a XXXX credit limit. There are 2 drug purchases on the initial XXXX approved XXXX USAA attached to my name. Those RX prescription drugs were purchased in XXXX and XXXX from XXXX Florida for a total of XXXX. In addition, a highly suspicious XXXX balance transfer and unknown cash advances were purchased on the card opened in XXXX. The joint USAA account was open for over 10 years after the first application using my name and XXXX income, was closed in XXXX on the same day of this fraudulent activity. This number is associated with veteran XXXX, XXXX XXXX, and her ex-husband XXXX XXXX. A check for XXXX from USAA was sent to XXXX XXXX on XX/XX/XXXX? Why? Is this part of fraudulent activity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation