vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I was a recipient of Oklahoma Unemployment benefits and all my backpay went onto a card called way2go card through the Company Conduent in the amount of {$5000.00} on XX/XX/2020. Within a few hours of the money being put on the card someone created an account in my name on the Conduent site and set up direct deposit from that card to their account. Conduent advised me that the email and phone number did not match what i gave them. This prevented me from setting up an account myself because it gave me an error message that an account had already been created. I spoke to numerous customer service reps through Conduent over the weekend trying to resolve the issue was told multiple different things by all of them but in the end filed a Dispute SR # XXXX in order to try to get my money back but the company is claiming that my social security number does not match anymore and there are no unemployment claims under my social or name. They advised i needed to contact the unemployment office to get this corrected i went to the local XXXX Office XX/XX/2020 and spoke with the rep and she contacted her supervisor they both verified my information matches and nothing is wrong on their system. They that the money was sent to the way2go card system and Conduent would be responsible for fixing the issues and refunding my money. Conduent told me they can investigate it but without a police report it would be hard to prove. I said are you kidding me so i did file a police report I also filed a report with Internet crimes, Federal Trade commission and a Identity Theft report has been made. It has been a back and forth blame game that is getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have 2 Capital One accounts which I was trying to close and have the balance transferred to another lender. I was told that the balance transfer will not cost anything. Turns out it was not true. They charge 22.8 % My second account is a master card. I called from Friday XX/XX/XXXX till Sunday evening to have them stop the charges on the account, promised but it never happened and the account was charged an additional {$600.00}. 

The last representative I spoke suggested to hire a lawyer because they won't be able to help of any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
XXXX?, XXXX my VA loan was processing with myself and partner. Loan adviser noted that partner had a collection. We knew about it, have been disputing it for years ... hosp bill. I contacted the collection agency to try and take care of bill. I offered half of what the bill was..being nice knowing that we weren't responsible for it. The man said no, hung up. A couple weeks later we decided to continue the loan process anyways, wouldn't affect it. A day before the inspection/appraisal, after months of getting our loan together, the bill was on my credit report. I called them very angry and they said they have proof of a marriage lic for me and partner. We are NOT married. I lost my loan. I sent them a letter stating remove it or else. It's still there and I can't move forward with a new house until its removed. I have nothing to do with this bill. I have contacted a lawyer. This company is fraud ... XXXX XXXX was the contact at the business.

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 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just  remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed 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 explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a prepaid debit card from PayPal. I did not request this card. I called the company but no one is available to help with possible fraud. 

Not sure if anyone tried to link a direct deposit account with this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We refinanced our home at the end of XX/XX/XXXX. Wells Fargo Home Mortgage bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get Wells Fargo Home Mortgage to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that Wells Fargo is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.

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 2020-06-22 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX XXXX XXXX  CNAC reporting inaccurate balances XXXX XXXX My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Representative from Heights Financial in XXXX, TN continuously threaten to sue me have sent me Attorney letters, discover my personal information to several 3rd parties after my hours were cut due to covid 19. I onky make {$900.00} a month and today I received an attorney letter saying I had to pay {$1700.00} in full in 10 days or else. 

A rep from Heights called me asking about my Stimulus check and was really nasty and rude to me saying things that professionals shouldn't say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1.  Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening. 2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance ''  ). I have transferred the fund in XX/XX/2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''. 
I submitted a claim to CFPB on XX/XX/XXXX ( XXXX ), and received their response on XX/XX/XXXX. I mailed the W-8 ben form as Citi 's request on XX/XX/XXXX, and emailed the Citi Executive Response Unit that I have mailed the form, and expressed my concerns. I've not received a response. I've called Citi bank several times today, and a representative have confirmed that they received my W-8 ben form but told me that I have not been W-8 ben form certified. As the same problems has been happening, I questioned how many times do I have to send the W-8 ben form to Citi if they just keep not verifying it. As I did submitted W-8 ben before for twice. The representative put me on hold and after a while the call got hang up. As you can see in one of the screenshoot, I have called Citi bank 9 times today. For 3 calls I got to talk to a representative, and 2 of the calls got hang up when the representative put me on hold. For the last call, the representative put me on hold when he was looking up my case, and then I got transferred to another representative. I was told by the last representative I talked to wait for one more week. I have not got an answer when exactly I'll be getting the bonus yet.

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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a XXXX score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We booked a vacation with XXXX for XX/XX/XXXX. We used the pay delay option and they took out the following amounts : XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} XX/XX/XXXX : {$540.00} I filed a dispute with Citibank ( reference number XXXX ) for the total amount of {$3400.00} on XX/XX/XXXX. I have only received automated notes saying the transactions are too old and they will not refund. XXXX has closed its doors and has not refunded any of the transactions. 

I sent all information to Citibank and have not received any current updates regarding the refund of our money.

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 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Im being inundated with loan offers that dont exist for people of color. Two emails a day. I thought I brought this to your attention before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pulled my credit report and found accounts in my name that do not belong to me. I am trying to conduct personal business and these accounts are affecting my credit score : CAPITAL ONE AUTO FINANCE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We refinanced our home at the end of XX/XX/XXXX. XXXX XXXX XXXX XXXX  bought the note. We made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Despite numerous attempts to get XXXX XXXX XXXX XXXX to report our payments to the credit reporting agencies, they still refuse. The only payment that shows up is the XXXX payment and that is because I filed a formal dispute. The report shows that XXXX XXXX is saying our account is in forebearance until XX/XX/XXXX, which is not true. Our credit scores dropped over 75 points because it looks like we have not had a home or payment for five months.

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 2020-06-22 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: TN

Complaint narrative:
I asked Experian and XXXX to provide me the Date of First Delinquency with the original creditor because it was not provided and for Experian and XXXX to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. Experian and XXXX  just updated or modified the information and did not provide me with the requested information. Experian and XXXX  are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act. 
Experian and XXXX failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 )  and for knowing violations of the Act.

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 2020-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My card was charged by a company that doesnt exist, have tried for two months to rectify dispute to no avail.

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
Called the lender number several times and waited on hold for well over an hour. You can't get anyone on the phone. 

The lender reported a late payment incorrectly, which resulted in a 50 point drop in my credit score. I have never had payment issues. The credit drop will cost me on a current refinance. 

My mortgage is with Citizens One. 

Please advise! 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX  on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a XXXX and on fixed income unable to work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
RE : Home Depot / Citi Bank Card I had a limit of {$18000.00} with a balance of only {$10000.00}. I have paid on this with Autopay and have maintained 100 % positive payment history with this and ALL my credit cards. I recently paid off about {$25000.00} on other accounts and then recently opened an account for my home air conditioning with XXXX XXXX for {$15000.00}. So my overall debt has come down since I opened this account and have maintained 100 % positive payments on all my credit accounts. I have also had my income increase since opening the Home Depot account. On XX/XX/2020 Citi Bank system ran a report that noticed the recent addition of the XXXX XXXX account and they decided to reduce my credit line by {$8000.00}. This adversely impacts my debt to credit ratio hurting my overall credit score. Citi Bank did not really care and offered no way to correct this. In addition the supervisor did not have any information to provide me on their OCC auditor or any contact information for their compliance office and told me I had to write into this address to get anymore information : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The agents badge number I spoke to was : XXXX Citi Bank has hurt my credit even though I maintained my end of the agreement and have a 100 % positive payment history. 

Stay away from Citi Bank and Home Depot!!!!

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 2020-06-22 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: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a wheelchair and on fixed income unable to work

Company response to consumer: Closed with explanation