vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
explained I was on SSI XXXX and could no longer pay the balance and cancelled my credit cards. I was down to one income after my partner passed away XX/XX/2016. 
Calls have been more and more frequent There have been other phone calls constantly. 
XXXX XXXX XXXX XXXX XXXX XXXX. many others. 

Can this company take my Social Security Retirement? It's the same amount as my SSI XXXX. I need this to live on. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Not given proper information of my dispute from the credit agency. Dispute did not resolve my issue of incorrect information on my credit report. It states in the FCRA that I am able to receive information the credit bureau received from the company and was not given any.

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 2018-10-29 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: TX

Complaint narrative:
I received a voicemail that I needed to call about a problem with my XXXX XXXX card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because Experian had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell XXXX XXXX that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. XXXX XXXX said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called Experian. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call XXXX XXXX but I could have XXXX XXXX call them. Well, XXXX XXXX can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to XXXX XXXX at a cost of {$32.00}, but XXXX XXXX says they never received it although I have a successful transmission report. I can't submit a dispute with XXXX XXXX because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at XXXX XXXX that cares. To be fair, maybe the error was with Experian but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my XXXX XXXX record. Is there any way that you could 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 2018-10-29 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: OH

Complaint narrative:
I spoke with XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX apparently a dispute was done and I asked multiple times for them to send over their method of verification. XXXX explained to me that all disputes are ran through a automated system and they have no documents proving these accounts belong to me or was I late. XXXX from Equifax explained to me that they were not able to send the documents although the FCRA Section 611 requires credit bureaus to adhere by laws and provide any information obtained during the verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They block access to my account when overdrawn from everything online I can not view my statements when my account is overdrawn and they refuse to acknowledge the problem.

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 2018-10-29 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: NY

Complaint narrative:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

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 2018-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX  account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XX/XX/XXXX or XX/XX/XXXX ; and XX/XX/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 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, I sold the business and real estate. The title company paid off the mortgage and loan, not sure of the date. On XXXX XXXX. Wells Fargo drafted a payment. They required the payment to be auto-draft, I had no choice. Since I didn't believe any more payments would be drafted I wrote checks on that account, they bounced and I incurred overdraft and bounced check fees. I called and emailed them to refund my money and they told me it could take up to 10 days. It has been 14 days and they still haven't refunded my money. I consider this theft. They should be required to refund all the fees I had to pay for bounced check fees as well as immediate refund of the money stolen. It should not be my responsibility to request them not draft as it was a requirement for the loan, it should be their responsibility. 

In addition they put forced placed insurance on my property without providing me a cost or any information about the insurance. When I paid off the mortgage almost two years later they charged me for the insurance, which they never got as far as I know. They never provided evidence or the costs until I paid off the loan. I agree they had a right to do it, but they should have given me the option to pay for it at the time and not change me without my knowledge almost two years later. I requested them give me a breakdown of the charges, but they still haven't done so. They sent me a list of supposed contacts about them requesting proof of insurance.

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 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: GA

Complaint narrative:
Equifax, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. Equifax never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX payment.

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 2018-10-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Any time I try to contact Experian, I receive either an automated message from Experian stating they can't assist me by phone, and I need to send them my request via paper, or I receive the same response on the website, but I can never speak with a Human. I have sent all of my documentation in previously to obtain my credit report. 

When I tried calling the number on the website XXXX, I received an automated system that would not let me speak with a Human, but rather took my information and advised that I would have to mail my issue to the company with proof of who I am to assist me. I then called back and tried a different option ( you only have two ), trying to speak with a person, and the option again took my SSN, zip code, and the house number, and then asked me to record my name, and zip code, and then told me my 'request to add a security fraud on my account had been received and would be reported to all Credit Bureaus '. but not an option to speak with someone directly. 

this is ridiculous. If you are going to have control over anything with my credit, it should be mandated that there is an option for me to speak to a live person. Not just two options on a queue and a disconnection. 

I was finally able to speak with someone by contacting the corporate office in IL, and being transferred to 'special services ' to speak with someone. it shouldn't be this difficult to speak with someone there, period.

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 2018-10-29 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: LEXISNEXIS
State: TX

Complaint narrative:
inaccurate information being reported via XXXX XXXX, no knowledge of accounts XXXX XXXX XXXX XXXX provided XXXX XXXX PO REPORT and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: NY

Complaint narrative:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 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: NY

Complaint narrative:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Last Friday XX/XX/2018 a payment came through via ACH for {$120.00}. There was {$64.00} in the account when it came in and put it negative a few pennies over {$65.00}. I was able to deposit enough funds to cover the negative amount by XXXX CST and the transaction was still returned to the source and I was charged a {$35.00} Returned Item Fee. 

Wells Fargo seems to not have a reason to why they pay some items versus return other items. Two weeks ago I had three transactions come through that made the account negative for {$50.00}, {$18.00} and {$9.00}.?? / Wells Fargo paid the three and no fees were Incurred. I asked the rep when calling in today why they returned it when there were adequate funds in the account to cover the transaction before close of business. 

The rep told me she has no idea and doesn't know what to tell consumers and blames it on a " system '' issue. I asked for a reversal for the {$35.00} returned item fee, as it should have not been returned as there were funds before close of business. 
She put me on a few minute hold and came back and said they will refund 25 % of the fee itself, I denied that and it escalated to XXXX who was a supervisor. XXXX said he can have 75 % of the fee refunded. This is a slap in the face to me as a consumer because they are negotiating a fee I should have never received and wasting my time to do so. 
After hundreds of millions in fines they still have grey-area policies in place to bilk consumers out of more fees. By the end of the call XXXX did state he was able to refund the entire fee. 

I am filing this complaint to notify the CFPB that this is currently going on at Wells Fargo and feel that there are many more consumers that are having to play auctioneer with Wells Fargo to get their own money back.

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 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: SC

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation