vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: WA

Complaint narrative:
XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and 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
Consumer complaint received 2018-02-10 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and 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 explanation
Consumer complaint received 2018-02-10 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: WA

Complaint narrative:
XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: FL

Complaint narrative:
I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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 2018-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/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 explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I don't know if this constitutes a scam, but it sure seems like it. A few years ago Wells Fargo opened a new separate credit card for my wife when I only wanted another card for her which we requested when we opened the account ... That just made me mad because it could effect credit scores. Now.. today, XX/XX/2018 I went to the Wells Fargo branch in XXXX XXXX , AZ ( I have been a WF customer for about 8 years ) to send a wire transfer to my stock broker and  when asked for ID I presented my driver 's license ( w/photo ), my military post access card ( w/photo ), and my law enforcement badge and state issued AZ Ranger ID ( w/photo ). I was told they required my debit card ( which I have not activated and NEVER use ). I believe this requirement is just another WF scam to require people to use debit cards to collect more fees??? I am switching banks to a more reasonable and customer friendly bank. It just seems wrong.

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 2018-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This account was opened for XXXX care on XX/XX/XXXX. I had subsequent appointments but never received a bill until after XX/XX/XXXX with an attached late payment due. Immediately following with mass texts and mass calls from automated # 's. And furthermore, they sent the bill ( after 3 months ) to my daughters address which is 300 miles away and not the address that I gave them for billing. Obviously, if that wasn't my daughters address, I would have never received a bill and would be in serious arrears because of an error on their part. I called a # on the bill when my daughter sent it to me on XX/XX/XXXX ... XXXX, talked to a woman who told me that the text and calls are not from her company, but as soon as I hang up and think the problem is resolved, they are calling and texting again. Today i received more than 6 calls and 2 texts. This company says it is XXXX XXXX but does business as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Williams & Fudge, Inc
State: AL

Complaint narrative:
I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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 requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: FL

Complaint narrative:
I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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 2018-02-10 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: MD

Complaint narrative:
After disputing items on my XXXX  report I received another alert of reinvestigation updates from Experian. Disputes referencing fraudulently activity within creditor operations and the credit bureau has caused my consumer file to reduce 100 points from XX/XX/2017. 

Experian allows creditor to update not additional information but to fill in additional derogatory statuses from the date account was closed and charged off. Stating they take the Creditors word and have the right to decline reinvestigation

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 2018-02-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I mailed out a check in amount of {$240.00} to " XXXX XXXX '' for my church advertisement fee on the date of XX/XX/XXXX. In the morning of XX/XX/XXXX, I found out there was a transaction of that same check in amount of {$2200.00} and made out to a person 's name as XXXX XXXX XXXX XXXX and on the memo section it said XXXX XXXX '. Someone definitely altered my check by adding '2 ' in front of my original XXXX and squeezed in 'XXXX ' right in the little tiny space, and changed the payable and the memo. I went to my bank which is XXXX XXXX and made a claim to the Fraud department. The associate told me not to worry and they will investigate on this asap. So far they found out a person stole my check and altered and deposited to Wells Fargo bank. But finally after all that investigation, Wells Fargo sent me a letter saying they are not going to reimburse my money because I could not provide a copy of my check before it was altered. I don't use those checks that come with carbon copies. I don't make a photo copy before I send payments to my bills. All I have is the statement the " XXXX XXXX '' sent me and a note that I wrote on that saying " XX/XX/XXXX Ch # XXXX {$240.00} '' for my record. Both banks made huge mistakes. Now they are blaming on me. What should I do?

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2017 my credit report was pulled in a result of a hard inquiry That I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts

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 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company contacts me at least four times a day, from right at XXXX XXXX to right before XXXX XXXX. They call from several different numbers from Ohio to Florida. 

Today, XX/XX/18, alone they called from XXXX at XXXX XXXX., XXXX XXXX, XXXX XXXX and XXXX XXXX Yesterday they called from the Ohio number at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX   I've already spoken to someone regarding my account a week ago so this is now harassment and illegal practices they are performing.

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