vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX  XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

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 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
On XX/XX/19, I received a notice in the mail from Mobiloans, claiming that I owed them money in the amount of {$1100.00}. The notice was dated as of XX/XX/XXXX and said I owed them {$100.00} due on XX/XX/19. I have never heard of this company and certainly have never borrowed money from them. I sent an email to their support email address : XXXX, advising them that I had never heard of them or taken out a loan with them. I requested that they correct their records or I would report them to the FTC. They replied I needed to complete an affidavit and have it notarized and sent back for them to investigate. I advised this them was outrageous and appeared to be a scam to get personal information from me such as my driver 's license, date of birth, social security number, etc. None of this passes the smell test. I checked with XXXX  and found that Mobiloans has never made any inquiries about my credit. A legitimate company would not provide a loan or line of credit without first checking someone's credit! This stinks to high heaven. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am a company, I had two company checks that were stolen out of the mail. The checks were written to a MO government agency. All the information was on checks they were not washed or changed. 
Capital one, NA bank in XXXX, VA Cashed these checks and signed these check. 
Capital one has a person that did not look at the 2 checks that were cashed and if they had they would see a government agency on the payee line and the Address for XXXX XXXX, mo. Also my company is in XXXX XXXX, MO XXXX 
So they have some one doing fraud in there banks. I started the process when I found out what had happen in XX/XX/2019 with my bank XXXX XXXX MO, A report was filled and now it is XX/XX/2019 and I have spent hours on the phone with both banks and still have not received my XXXX back. 
Took action on XX/XX/2019 with my bank they had a person that did not do there Job So I went up the chain and on XX/XX/2019 a report was sent to Capital one. Still have not had a response from capital one. These checks should have never been cashed and it should not take a bank this long to see that with overwhelming evidence on the back and front of the checks. That person should be jailed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX I had Bankruptcy chapter XXXX and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to XXXX their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
XXXX send this loan to my credit report, I called them today XXXX XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from XXXX to remove my loan from my credit report because of the BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
On XX/XX/19, I was accommodated by a XXXX member holder, as I was getting ready to leave the gym ( a female agent by the name XXXX ) proceeded to yell at me " YOUR A LIAR -- I was looked around she said, " I talking to YOU! '' Embarrassing me infront all those customers. Than, demanded that I open a membership in my name I told her " I going to SUE YOU for embarrassing me by calling me a liar! '' She started to take out her personal cell phone in the attempts to harass and intimidate me by using the film when, I asked her not to record me. She continued to harass me until I agreed to sign up for membership. She stated the asked for my routing, account, and debit info along with my Texas drivers license. Agent advised the first payment would be XXXX.. taking out on the XX/XX/XXXX and the annual would be XX/XX/2019 for {$42.00}. To my finds by my bank alert, XXXX XXXX debited my account on XX/XX/2019 and I just open this ( XXXX account on XX/XX/2019 ). I called XXXX XXXX and was advised no it was not scheduled untilXX/XX/2019. Customer service office advised to speak to the manager of XXXX XXXX on located on XXXX XXXX XXXX XXXX, Tx XXXX. After showing the manager the copy for my bank, she proceeded to take it was correct for them to debit. Manager tried to speak to me in an uneducated form and belittle my intelligence. Manager spoke out in public to other customers and employees about my account status. Her and ( staff-Male ) proceed to make funny discriminating remarks. I asked for my money back and she proceed to tell me NO that was the start up fee. However, her agent never sent any documents to me and to my findings the information was intended not to reach me.. It contained the wrong email, address, and phone. She tried to embarrass me in front of all those customers and staff to blame me for the information not been correct when, her agent put in the info and never gave me a copy of the  contract. I fined it not to be funny on treating people poorly based on the skin color. The manager and staff where XXXX and proceeded to degrade and belittle me by her remarks and unfairness ... I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple addresses that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX, FL 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 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX, 60 days late as of XX/XX/XXXX, and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclaycard contacted us in XX/XX/XXXX about 3 suspicious charges in XXXX, TX on the XX/XX/XXXX & XX/XX/XXXX while my husband & I were both in our town of residence in MD ; which we each have charges at local retailers proving we were in fact in Maryland at the time. They cancelled my husband 's card, reissued a new card, and opened a fraud case. 

I followed up multiple times via phone for a year following the incident as well as a written message on XX/XX/XXXX. I checked each new monthly statement for a credit of the charges but still have not been credited as of XX/XX/XXXX. Representatives would simply repeat that we are not responsible for any fraudulent charges and that the charges would NOT be credited back to our account until the case was closed and it could take 60-90 days. I was reassured it was being handled every time I called but now almost 3 years later it is still not resolved. In addition to never being resolved, the fraud department representative can not access the records more than 12 months back and now I'm told I must submit in writing to open another case and provide all the original documentation. Basically, I'm starting all over but via mail/fax rather than over the phone. The account reps I've spoken with over the last 2 days are not able to see the 3 charges in dispute but the balances they show match the ones on my statements that do include those charges still. It seems like maybe they erased the charges but forgot to credit the newly issued card. 

At this point, I'm not sure what else to do. I am getting nowhere with the company. I am trying to pay the account in full and close it but certainly do not feel I should pay the fraudulent charges or any interest that has accrued over 3 years. Nobody returns calls or updates us with any progress of what is happening. Are there any resources to help me in getting the company to complete my case?

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 2019-07-09 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: TX

Complaint narrative:
Hello, I have been charged a {$29.00} annual fee since 2012 and according the capital one secured site it states that {$0.00} annual fee but I have been charged every year since XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My date of birth is not reporting correctly on my credit report XXXX Multiple addresses that are incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL 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 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The complainant was shocked to hear that Wells Fargo bank alleged without proof that the complainant or XXXX XXXX with last four SSN XXXX claimed that his recent XXXX transactions were fraud made against one of his accounts at Wells Fargo bank with full account number is XXXX account ending in XXXX that impacted account ending in XXXX is now confirmed closed by Wells Fargo bank in retaliation and harassment against his person. 
In a Wells Fargo new allegation without proof it stated : The fraud claim filed for the account number ending in XXXX was for the following transactions : XX/XX/2019 XXXX Online Ads {$77.00} XX/XX/2019 XXXX Online Ads {$22.00} XX/XX/2019 XXXX Online Ads {$50.00} that was Wells Fargo bank own desired to be a claim to justify the retaliatory closure of my account ending in XXXX. 
Wells Fargo must contend to the following : closure of the above referenced account ending in XXXX was never due to XXXX XXXX claim that the above XXXX   transactions Were fraud. 

Or Wells Fargo must provide clear convincing evidences that a claim of fraud for the above XXXX transactions was made by XXXX XXXX. 

Someone is lying here. Where are Wells Fargo proofs of what it alleged? 


Pursuant to the freedom of information and/or the Privacy act comes XXXX XXXX to Request the entire investigative file that Wells Fargo bank has or stores in its database or used that lead to close XXXX XXXX account ending in XXXX. 


The XXXX transactions were about payment for advertising. When Wells Fargo invaded XXXX XXXX privacy and Learn that Wells Fargo bank retaliation against XXXX XXXX is Public now then : Wells Fargo decided to close XXXX XXXX account ending in XXXX in revenge and/or retaliation.this is proven fact. 

Wells Fargo is a criminal corporate or is run by some criminals. Wells Fargo by closing account ending in XXXX assumes full legal and/or criminal liabilities for anything negative that happened or to happen to the complainant. Wells Fargo bank assumes all the legal consequences for its continuous retaliatory adverse actions it committed against XXXX XXXX. 

This complaint is in defense and response to new alleged claims by Wells Fargo against the rights of XXXX XXXX. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction of any kind by him only at any time without any notice and without waiving his rights. 


Thank you, The complainant.

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 2019-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing these charges that was charged on XX/XX/19 in the amount of {$310.00}. The rental car was never received, it was blocked by the rental car agency agent at the counter. I have contacted the travel agency/XXXX, they have refused to refund money. I never took possession of the rental car. 
- On XX/XX/19 arrived at the rental car counter the representative at the counter refused to release the vehicle to us. This representative explained that the rental was for local rentals only, didnt provide unlimited mileage. We would have been charged additional mileage over 100 miles. We were told that the rental was for unlimited mileage upon rental. We advised per XXXX it was for unlimited miles. 
- Representative still refused to release the vehicle to us. 
- The only reason the reservation was cancelled is due to agent refusal to release vehicle to us. Which would void out any cancellation policy due the refusal of release of the vehicle. 
- I was not advised of any cancellation policy at the counter with the agent in regards to the information she supplied in reference to the cancellation. 
- We had to make other arrangements with another rental car agency, at a higher rate, we can provide proof of the reservation with the rental agency we actually obtained a vehicle from. 
- I contacted Capital One on the day in question and explained the situation and advised not to go forward with payment due to agency refusal of release of vehicle. 
- I received no services, no rental vehicle was in my possession or has ever been with the agency in question. 
- The reservation/cancellation was in hours of each other, the reservation/cancellation was all processed while at the location by the agent on duty. 
- We had no other options of resolution, we had no options other than to book with another agency. They refused to release the car as well as refusal of unlimited miles. 
- Per XXXX unlimited, per agent we would be charged additional fee for miles over XXXX. 
- XXXX is a travel agency, maybe they need to contact their vendor due to the discrepancy in their policies due to the unlimited miles verses over XXXX  miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid the account in XX/XX/2015 and they reported to my credit in XX/XX/2015. SYNCB/Wal-Mart sent me a letter to settle. I called the number on the letter and spoke to a representative and she advised me that if I paid she would have it removed from my credit. I settled and paid. Once my payment was receiving SYNCB/Wal-Mart reported me to the credit bureau. therefore ruining 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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I have a debt collection from diversified collection for XXXX in the amount of {$190.00} as well as XXXX  for {$99.00} for XXXX XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXX so this has to be for XXXX which means that they are trying to falsely collect on the same account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 - Signed up for Experian monitoring and XXXX  services and did not increase my credit score as advertised. In addition, lowered my credit score after opening a dispute in order to have me enrolled in an increased paid service.

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