vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on the XX/XX/2019 I went to the wells fargo XXXX XXXX XXXX XXXX XXXX  florida XXXX and requested to withdraw {$250.00} from the ATM, which I never received, next I call the customer service and put the claim number XXXX, I told them to revise the footage because I never received the money, they gave me a provisional credit, then on the XX/XX/2019 they denied the claim and debit the money from my account saying that there was not a misdispense on the ATM, that I took the money after 29 seconds, I never took the money and that's why I insisted to check the footage, I don't know if It took longer that normally does and when the money came out the car behind me took it. I'm a very honest person and I have never had any ATM claims with them in the past

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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX Equifax published a derogatory mark on my credit for {$1400.00}. 
I tried to applied for credit card on XX/XX/XXXX of 2019. I got declined because of the dergatory mark. My credit score is really low. I can't do nothing to boast it up. I dispute with Equifax 3 different times. I got declined all 3 times. I faxed them my Id and social security on XX/XX/2019. I called back a week later and nothing they said they didn't get my file. So I'm trying really hard to get this off of my credit report. I dispute with other credit bureaus and got it all off. The only one I can't get it off of is Equifax. They are very lazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

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 2019-11-20 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: MO

Complaint narrative:
I followed directions with Capital One on an expedite payment to clear an account I had with them. I sent in documentation, verification, and a guaranteed funds bank cashier 's check that settled the account in full. I followed up and thru with the receiving and deposit of the payment. Capital One was obligated to expedite the payment and FORCE UPDATE my 3 credit reports that the account was settled in full, closed, and at a zero balance according to communications between Capital One and Myself. I did my part and now they are attempting to fail to follow through on their part of the agreement. The company is trying to take advantage of consumers like me attempting to resolve a matter. I have been on the phone with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally OVER an hour on XX/XX/XXXX with a so called supervisor who literally needs proper training. Her id # is XXXX however, did not follow through with Capital One 's obligation pertaining to this payment and account nor acting like she could not help me AND I was told there was no one else above her that I could speak with. I requested information for her supervisor or Capital One 's executive offices to follow through with Capital One 's obligation to this case, however I was told that information was not available. Once again a large company attempting to take advantage of consumers by not following through on their part of the agreement at hand. Please see all attachments showing the original letter that was faxed and mailed certified that mentions all previous obligations that were discussed by both parties, copy of notarized check copy showing it was deposited by Capital One, original notarized letter from the bank regarding the valid bank cashier 's check, original letter regarding settlement with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
# XXXX with Santander consumer Usa XXXX XXXX XXXX on XX/XX/XXXX XXXX : XXXX XX/XX/XXXX began 1st monthly payment of {$310.00} I file a complaint against Santander Consumer Usa because i think this bank has been unfair and misleading against my loan and my credit report. 
First when i realize that the rate was very higher ; the same day XX/XX/XXXX, i try to return the car but the dealer ( XXXX XXXX ) refuse to take back the car. And since then i keep paying and dealing with a bizarre and unprofessional company Month ago, I was very surprise after calling to request the status of my loan and their customer service told me that " i have request an extension in XXXX '', that's why my loan have been extended. I never request any extension on my car loan. Since i get a loan from this bank, i used to have bad experience and i never complaint against that. But this time, they are going so far to use unfair practice with my account and without any clear explication It's unethical and very shamefull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank # XXXX and XXXX XXXX # XXXX are double reporting on my account. Capital One was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-11-20 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My payment information on my XXXX XXXX XXXX  is not being recorded by Equifax as it is on XXXX  and XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to Equifax since XXXX of 2012 as it was with the other three agencies. I disputed this with Equifax and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at the other two so why would Equifax be any different. I have attached my Equifax and XXXX  payment logs for proof of what I am saying is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: UT

Complaint narrative:
XXXX  XXXX XXXX  # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

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 2019-11-20 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX and XXXX  XXXX   # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX  funding but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
This medical account does not belong to me and i think it's part of my identity theft case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-20 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: CA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: TX

Complaint narrative:
I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried to get a loan that shows it has been charged off on my XXXX  credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.

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 2019-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I am the seller of a property and the buyers are using Quicken Loans, Loan Officer XXXX XXXX, NMLS XXXX. I am reporting XXXX based on the communication received from the buyers agent. Quicken Loans canceled two appraisers until finally allowing a third appraiser to complete the project. The appraisal had comps over a year in age and an estate sale and came in lower than contract price. The appraisal was disputed and reviewed and more recent and accurate comps where found. This was the source of the initial closing delay. After this was completed Quicken asked for additional information from the buyer which she provided. She went weeks without communication. I called the loan officer at one point and asked that he communicate with the customer so she could keep us informed of the progress. We were told by the agent that Quicken stated there was a delay because of USDA funding which was a lie because USDA was not having funding issues. We were told the loan had full approval and found out from the attorney that they were waiting for USDA to underwrite the loan. All the communication provided to me from the Buyers Agent which insists the information came from Quicken has been inaccurate. The buyers have missed two closing dates and the contract expires on the XXXX of XXXX. Their negligence has caused me money and may cause the buyer to loose their earnest money as I am not extending the contract past the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: UT

Complaint narrative:
XXXX  XXXX XXXX  # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I can not use my credit card or pay the balance due on my card because my account is restricted without reason. I contacted card support several times after verifying my identity with them, however, I could not get a reason why my account was restricted. I have spend several thousand dollars on this card over the past 5 months I have had it, and have never missed a full payment. The most troubling part is that I am restricted from paying off the remaining balance on the card, and am at risk of accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been trying to fix this issue since XX/XX/2019. Bank of America has now screwed up two of my accounts trying to fix it. I wrote my last letter on XX/XX/2019, and have not heard from them since. I am so frustrated I am at my wit 's end. 

On XX/XX/2019, I made a payment from my bill pay account to the wrong account. The account ending in XXXX was no longer an active account. I did not realize this until my credit card showed I had not made my payment. In investigating this, I realized what I had done. I then called Bank of America 's toll-free number and spoke with an agent and she said she would send my information to another department for investigation and they would get back to me. When I did not hear from anyone, I called back and got the same song and dance. After another interval without hearing from anyone, I decided I would message my concerns from the internal messaging system in my account. I sent no less than 8 messages, with only " canned '' or no responses. 

It was then I started my letter-writing campaign. My first letter was dated XX/XX/2019, and Bank of America sent me a letter back, dated XX/XX/2019, stating they could not find the payment I was talking about. This, even though, I had sent a detailed letter explaining everything and copies of all the documentation ( even a screen print of the account the {$57.00} payment was made to ). 

I wrote them back on XX/XX/2019, and sent all the attachments again and explained the situation again. On XX/XX/2019, I received a letter stating they had found the {$57.00} and credited it to my account. What they actually did was take a payment made to my husband 's credit card and put that money toward 's my account. 

My last letter was dated XX/XX/2019, and was directed to a Manager and told them what they did was totally wrong. I, once again, included all the documentation and told them EXACTLY what had happened. 

Since this last letter, I have heard nothing from them. It has now been over a month. This shouldn't be that hard. I told them exactly where the money went and gave them proof of that multiple times. I just want my accounts fixed.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter from Citi XXXX XXXX  XXXX XXXX XXXX, SD XXXX stating that I was incorrectly charged XXXX on my citi cash returns world master card account and that I would be receiving a check in that amount in 14 days. The check did not arrive in XXXX so I called and was told it would be taken care of within 2 weeks. The check did not arrive within 2 weeks so I called again and was given the same message. By early XXXX the check still did not arrive so I called and asked for a supervisor who assured me that the check would arrive in 2 weeks. It is now  XX/XX/XXXX and there is no check. The 800 number on the letter and credit card is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief