vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: GA

Complaint narrative:
I ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.

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 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Approximately XX/XX/XXXX an American Express account was fraudulently opened in my name. Approximately XX/XX/XXXX I filed FTC Identity Theft Report and XXXX XXXX Sheriff Identity Theft Report. Both reports were sent to American Express and all 3 credit bureaus ( XXXX, XXXX, XXXX ). The  fraudulent account was investigated and removed from all 3 credit bureaus. However American Express has refused to recognize the fraudulent account in my name as identity theft. I have been receiving multiple debt collection phone calls & corresspondence for the fraudulent Amex account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I stopped working with XXXX as he was just taking my money from credit card account but nothing being done? On second thought maybe that was a mistake as Wells Fargo will not really be representing??? me if i end up in court. 
I can not go back though, I just want to start paying which i request over and over. XXXX XXXX ( Exec Support Specialist ) who is in the department they told me to contact. ) He was very helpful ( to move my court date to XX/XX/XXXX ) but i guess that did not do anything to get me start paying on my mortgage which i want to start paying on now!!! 
I guess now i go to court on XX/XX/XXXX which will be rough. 
Any suggestions? 
Thank you for your 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 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express RAISED MY INTEREST RATE BY 5 % AND CHARGED ALL EXISTING CHARGES AT 15.99 % RATHER THAN 10.99 %. I COMPLAINED TO THIS CONSUMER PROTECTION BUREAU. NOW American Express SAYS THAT I DID NOT PAY ON TIME AND THEY DOUBLED MY INTEREST RATE TO 29.99 % ON TWO CARDS : XXXX XXXX   AMEX CARD NO. XXXX XXXX XXXX AND XXXX AMEX CARD. XXXX XXXX XXXX. I CALLED CUSTOMER SERVICE IN XXXX AND THEY AGREED TO REVERSE THE INCREASED INTEREST, BUT THE SAID THAT I HAD TO PAY THAT AMOUNT FOR XXXX ONLY AND THAT THE NEXT MONTH THE INTEREST RATE WOULD BE THE 15.99 %. I TALKED WITH A SUPERVISOR ON THE XX/XX/XXXX AND SHE AGREED TO REDUCE THE INTEREST. THEY HAVE AGAIN AGREED TO FIX THIS ON XXXX  18 BUT I DO NOT BELIEVE THAT THIS COMPANY ACTS IN AN HONEST WAY. 20 % INTEREST INCREASE IS OUTRAGEOUS AND American Express SHOULD BE FINED AND STOPPED FROM CHEATING ITS CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo reported wrong information on my credit report and it now effects my score.

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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: CO

Complaint narrative:
On XX/XX/XXXX at approximately XXXX MST, I attempted to contact the company XXXX XXXX about an old debt that I wanted to try and resolve. They transferred me to another one of their agencies who I tried to explain the issue to and offered a settlement of 20 % of the balance. They had already doubled the amount in fees over the last year. The agent then laughed and said they wouldnt do that. I asked to speak to a manager after realizing I was just losing my temper over the behavior of the agent. When the agent went to transfer me she called me a XXXX  tool & when I asked her why, she got extremely rude and hung up on me. I called back, got another agent & immediately asked for a manager and the second agent also has rude comments. When I spoke to the manager, he didnt seem interested in resolving the issue. This collection agency should not be licensed. Just try to talk to them. I can call them and let you listen. I understand I may not have had the most pleasant response to the treatment I received but this collection agency does not want to resolve debt. They want to harass you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a {$1000.00} flex loan with XXXX XXXX in XXXX TN in early XX/XX/2018. I was working a lot of hours and forgot to make the payment on it. I never received any phone calls or letters from the store or company at all after taking out the loan, so I forgot about it completely. That is until a sheriffs deputy showed up at my house to serve me with paperwork for court. I contacted XXXX XXXX in XXXX TN - the firm listed on the paperwork - regarding the paperwork and was informed that it was due to the flex loan with XXXX XXXX. They told me the only way to avoid court - and garnishments and other negative information showing up on my credit report - was to setup payments with them of a minimum of {$200.00} per month. That was more than I could reasonably afford - and there was no debt to income analysis done - but since I wished to avoid all of the negative consequences and I was unaware at the time that I could have possibly obtained better terms if I went to court, I agreed and have been paying them {$200.00} per month by bank draft since then - all without STIILL receiving any paperwork stating how much I owed originally or how much my remaining balance is. 

I have been trying for over two weeks at this point to make my next payment and have been unable to reach anyone at XXXX XXXX to take my payment or to get anyone to call me back. I have even reached out to my local XXXX XXXX location for help in reaching them and all they could offer was to keep calling the number - and that the law office was in the same building as the XXXX XXXX corporate office. 

I know that I took out the loan, but I feel that XXXX XXXX took unreasonable advantage of this situation by not notifying me of my debts and payments. Furthermore, I have attempted in every way to keep up my agreement, but XXXX XXXX is not making themselves available to keep up their end and accept my payments and causing me undue stress about my situation in the process. And, I still have no idea how much I owe, if my loan has been properly moved to default, if I have any further options, etc. All in all, these two companies manipulated and bullied to take advantage of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
THIS COMPANY HAS LIED TO ME. THEY HAVE INCREASED MY RATE 5 % AND THEN CHARGED THAT RATE ON BACK PURCHASES. I MADE A COMPLAINT TO THIS OFFICE. American Express WAS ABLE TO IGNORE MY COMPLAINT. THEN THERE WAS A PROBLEM WITH A PAYMENT DUE BY XX/XX/XXXX. APPARENTLY IT WAS PAID ON XX/XX/XXXX. THE PAYMENT WAS PAID IN FULL AS TO THE OBLIGATION AND PAID IN FULL AS TO THE NEXT MONTH 'S OBLIGATION. THEN THEY DOUBLED THE INTEREST RATE. I COMPLAINED AND THEY PROMISED TO PUT THE INTEREST RATE BACK TO THE 15.99 % THE RATE THAT WAS INCREASED BY 5 %. I CALLED THE CUSTOMER SERVICE ON XXXX 19 AND THE SUPERVISOR TOLD ME THAT MY INTEREST RATES ARE NOW 20 % AND 25 %. THEY LIED AND CHEATED AND I AM HORRIFIED BY THIS COMPANY. I HAVE HAD AMEX CARDS FOR 25 YEARS AND THEY HAVE TREATED ME LIKE GARBAGE IN THE PAST 3 YEARS. RAISING RATES IN THIS FASHION IS AN ABOMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I made a payment on XX/XX/XXXX from the wrong business account ( XXXX XXXX spark ). The check was returned NSF. When I realized I made the payment from my other business account XXXX XXXX so that I would be on time. That payment posted XX/XX/XXXX/18. I put money in the XXXX XXXX account on XX/XX/XXXX and they withdrew the payment from my account but never posted to my American Express. I have called 3 times and the representatives keep telling me the check was returned. I called XXXX XXXX XXXX and they said since its on line payment the funds are gone. 

NO FUNDS have been posted to my American Express and no money placed back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As it pertains to the credit bureau of Transunion, XXXX, and  XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the Transunion credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the Transunion Credit Union report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.

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 2019-01-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.

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 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is charging me for a fraudulent transaction and has a negative amount of {$1300.00} on my account. I have tried to resolve this many times but they are blocking my emails and demanding me to pay this fraudulent transaction. I did not authorize or give consent for this money to be taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prohealth Care, Inc
State: NY

Complaint narrative:
I have a company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ny XXXX Says I owe a debt to XXXX XXXX XXXX XXXX file number XXXX i have never stepped foot in a prohealth care facility in my life

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On my XXXX XXXX account I have an outstanding debt with the State of Wisconsin Public Defenders Office. I did not receive notice from State Collection Service Inc. I'm time to dispute.The roomate I just kicked ouerdsyt had the letter in his room for some reason. I found it yesterday. For one : I never received the required payment envelopes except on one occasion. Made a partial payment, never received notice of balance due. I forgot about the obligation cause I XXXX XXXX XXXX XXXX. According to them there was 5 lawyers assigned to me. I can find only 4 in my court records. In one case I had 2, which I was unaware of, did not request two, and there was no need for one. They were worthless. They failed to provide defense for a misuse of justice. Were I'll prepared and could provide no argument for the judge. Another lawyer I was assigned, I was unaware of. It was for a XXXX - breaking a window. I would never request a lawyer for that. I didn't need or use their help. Just made my plea and accepted my fine. Around {$55.00}? Not worth having a lawyer. So, I dispute these charges because they are false, forced on me, failed to perform their job, excessive to have 2 lawyers - which was done without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: IN

Complaint narrative:
I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently paid off all accounts listed on my credit reports on XXXX and Equifax and proceeded to submit disputes to each reporting agency to start the process of having the amounts removed. It went smoothly with XXXX who simply verified who I was by giving my soc sec #, address and what the amounts owed were on the accounts, but with Equifax they wanted the same information and then wanted to know my previous employment in which I gave them my employment history for the last 15 plus years and the customer service rep kept asking me what other jobs I had. I had given her every job but then she asked was there a fraud alert on my acct which it wasnt because XXXX saw nothing. She then wanted me to send a hard copy of my social security card which would involve and lengthy period of extra investigation. I ended the conversation informing the rep I would try the online remedy, and attempted to do the dispute online to no avail because after entering the intial personal info on the 1st page and being informed they had found MY account, on the 2nd page they start describing various bank cards and auto loans in which I was supposed to have along with multiple choice companies that these things were supposed to be secured from to choose from which I never had and after clicking none of the above to all, they ended the dispute saying my answers didn't match their info. I then did a XXXX complaint search on Equifax and found over XXXX complaints with same experiences that I endured and saw your link

Company response to consumer: Closed with non-monetary relief