vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: NC

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/2020 I have opened Citi Bank account package by phone. It had an offer of giving {$500.00} signup bonus in case of depositing XXXX dollars within 30 days and maintaining money during 60 days ( {$400.00} bonus ), and also for direct deposit each months during two months ( {$100.00} bonus ). 

I correctly spelled my name and other credentials but Citi representative had made mistakes 1 ) In my 1st name he made mistakes in two ( 2 ) letters 2 ) In my email adding " f '' to my email address before @, so I could not receive important information I have discovered error 1 ) in the package of documents which Citi had sent to me shortly after account opening. As it was requested I had sent by mail W9 form, copy of my ID and signature card. This information was received by CitiBank as it was confirmed today ( XX/XX/XXXX ). When I found problem with my 1st name I immediately contacted Citi to fix the error, however it took few weeks to do so. I made direct deposit to my new Citi account and deposited {$15000.00} in proper time range to be qualified for bonus. 

During usage of my account I had found that it is blocked for any outcoming debits. I had not received any warning from Citi by mail or email about that. Spending several hours on phone I managed to find out that Citi needs copy of my ID and SSN to verify account. As it was sensitive information I requested Citi Bank to provide XXXX   form so I could upload my documents, however, I had never received this form to my email. After waiting hours on a phone me and Citi representative figured out that email in the Citi system was wrong. It was written incorrectly by Citi representative who opened account by phone for me. As a result today I was informed by Citi representative, whom I called to ask again about XXXX  form that Citi had not received my SSN and ID and going to close the account and return deposit by check. I do not agree with that, I have all the phone recordings with Citi representatives to prove that it was not my fault and Citi bank representatives also admitted this in phone conversations and apologized to me about that but were not able to help to keep my account package. I am old time Citi client, currently I have Citi bank credit card in same online banking as contains checking and saving Citi 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 2020-04-28 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: CA

Complaint narrative:
Hello, CFPB. 

I want to request your help. 
There is an account that was already removed from my XXXX  and XXXX   credit reports. However, Equifax keeps on reporting this account, failing to respect what the creditor has indicated to do. 

The account is the following : XXXX XXXX  account. Account number XXXX Date Opened XX/XX/XXXX. Account has incorrect closed date, incorrect last payment date. 

If Equifax is not able to provide me with the following information ( I know they wil contact XXXX XXXX, and they will indicate to remove this item ), I demand this item to be removed : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this deb. 

On XXXX, XXXX, I sent Equifax a request for this item to be removed. They have violated the FCRA by not reseaching about this account ; proof of that is that they have not even mark the account as disputed. They are being negligent and unfair. 

I demand a deletion letter, and the removal of this item from my report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CO

Complaint narrative:
Fri XXXX XXXX, 2020 Merchant name is XXXXXXXX XXXX - THANK YOU Merchant category is Payments and Credits Amount is - {$1800.00} running balance is {$97.00} I payed XXXX as a minimum payment was charged XXXX and it was of course returned the payment was on discovers side accepted and taken off my debt in which they said they were going to send a Check to me referring to the extra amount paid after my bank rejecting the amount and charging me an extra {$35.00} instead of allowing this check to go to the bank they are sending it to me, i had them send it to me so that it did not reflect upon my credibility on the bank as it was going to take 7-9 business days. so that i can contact XXXX XXXX and return the money to the account without over drafting myself and putting my account in bad standing, unsure of what to do now i contact wells fargo to discuss the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date : XX/XX/2020 Amount : {$70.00} I was scammed out of {$70.00} via XXXX using my citibank account. I was promised goods that were not delivered. When I tried to complain with my bank they told me there was nothing I could do because according to them " I authorized the services '', I realized I had been scammed 5 mins into the transaction and immediately tried to contact them in hopes of being able to cancel the transaction but they had an extremely long wait time and no option of being able to cancel the transaction. They have all the details, persons name, phone number and bank account but still failed to investigate further, I been a long time customer and feel that they shouldnt be offering XXXX if there is no type of protection for their consumers.

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 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to request the CFPB help. 

There is an invalid item being reported to the credit bureaus. The account is the following : Account information : Company : Wells Fargo.Acc ount Number XXXX Date Opened XX/XX/2013. Account has no limit reported, incorrect last payment date, incorrect closed date ( they are missing information, this is a violation under the FCRA ). 

I tried to solve this with Wells Fargo. On XX/XX/XXXX I sent them a dispute letter. 
They did not even investigate or mark the item as disputed. 

I am demanding a deletion letter, and this invalid item to be removed-. 

Please send the attached document to Wells Fargo. 

Thank you.

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 2020-04-28 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: EdFinancial Services
State: MN

Complaint narrative:
My student loan servicer EdFinancial is misreporting my student loan balances and continuing to charge interest during a government mandated forbearance period ; this is causing my credit score to be adversely effected as well as changing my loan balances to reflect inaccurate amounts of principal and interest. I have three student loans with the same services, and two are continually adding interest, and the servicer has been making collection calls to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Westlake Services, LLC
State: TX

Complaint narrative:
I have contacted XXXX, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with Westlake Financial Service. I have also contacted Westlake serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to Westlake informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing  how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020, I submitted disputes regarding my Transunion credit report through their online system. The disputes each had a decision emailed to me within a few moments of submission. It was not possible to read my comments and do any type of decision within seconds of submission. 
These instant decisions are very unfair. Transunion promises they will investigate. My comments were disregarded on the dispute. 
Transunion is misrepresenting a fair investigation if they provide instant results and closure within moments of submission.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is another manifestation of XXXX, XXXX, XXXX. 

I deposited a cheque on Friday XX/XX/XXXX for {$3500.00} My account was overdrawn by bank oaf America by $ XXXX. 

On Saturday cheque was realized and account had positive balance of {$3000.00}. 

On Friday afternoon, I got a call from Bank of America saying they are closing my account and they tried calling a number XXXX XXXX XXXX and there was no response. 
Me and my wife visited Bank of America branch on XXXX XXXX and established our identity as well as they validated us by sending a text message to my primary mobile number XXXX XXXX XXXX. 

They said they will not disclose the reason they are closing the account as it was their business decision. Their business must not effect my personal finances. 

I initiated a transfer of {$3000.00}, leaving {$540.00} in my account to cover what they over drew ( i.e $ XXXX XXXX. 

They initiated the transfer at XXXX XXXX today morning as scheduled and they put a hold on the deposit I had in my account. 

This resulted in a overdrawn account of XXXX. 

They should have cancelled the transfer when they put the hold on deposit. 

Processing Transaction layer DEBIT/HOLD ON XX/XX/XXXX VIA WEB activity type debit status type icon pending Processing. Select to mark activity type debit XXXX DEBIT/HOLD ON XX/XX/XXXX VIA WEB as Reconciled XXXX XXXX Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA as Reconciled XXXX XXXX Details of hold : -- -- - Forwarded Message -- -- - From : Bank of America Alert XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : We placed a hold on your recent deposit Bank of America. 
We placed a hold on a check you deposited by Mobile Check Deposit. The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit : {$3500.00} Total amount on hold : {$3500.00} Date of deposit : XX/XX/XXXX Hold Details Amount on hold : {$3500.00} Hold reason : A hold was placed on your check ( s ) because check specific information indicates item may be returned. 
Date Available : XX/XX/XXXX by 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 monetary relief
Consumer complaint received 2020-04-28 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: VA

Complaint narrative:
XX/XX/XXXX - Requested refund from XXXX. Was notified via email that we would receive cancelation quote XX/XX/XXXX - Received Cancelation quote of a refund for {$3700.00} for an original charge of {$5500.00} XX/XX/XXXX - We sent Cancelation confirmation after not receiving a response to our requests for an explanation on how the refund amount was calculated. 

XX/XX/XXXX - We contacted the merchant to ask that our trip be formally cancelled XXXX, XXXX and XX/XX/XXXX - No responses received to the emails sent XX/XX/XXXX - Uploaded supporting documents to Capital One XX/XX/XXXX - Additional documents uploaded. No notification was given that our previous documents were not usable until we called on our own to check on the status XX/XX/XXXX - Another email requesting update sent to travel agency and a generic email was received in response XX/XX/XXXX - Capital One mails a letter dated XX/XX/XXXX that says the timeframe has expired. Called them and said VISA won't accept documents. Contacted VISA and they said they have no limitations or restrictions and I need to contact Capital One. 

The travel agency has received refunds from the hotels/airlines and we have been charged by our financial institute for services which were never rendered. Capital One failed to provide us with timely notice for us to submit documents and on the multiple phone calls that we initiated, never notified us of the possibility that the timeline would not be adjusted in order to accommodate for a lack of response from the merchant. No documentation or notice was provided by Capital One that our original supporting evidence was not enough so that we could provide the necessary documents to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: DE

Complaint narrative:
In XX/XX/2019 I made 5 payments up front to cover XXXX, XXXX, XXXX XXXX and XXXX payments, sending them a check for the total fixed payment that had already included interest. I made a {$1500.00} payment XX/XX/XXXX for my XX/XX/XXXX1st due date, my payment is XXXX a month a wanted the rest to be applied to principal. Best Egg took my {$1500.00} and applied the entire amount to interest only telling me that because they were charging me daily on all the payments I made upfront! In my XXXX a month that includes the interest and now they want additional XXXX for more interest because I made 5 months of payments up front! This company needs to be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY XXXX XXXX  ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY BANK OF AMERICA I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-04-28 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: TX

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.

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 2020-04-28 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: TX

Complaint narrative:
I have contacted XXXX, XXXX, and Experian, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I have now had 2 separate companies I can not link my account to. This is very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS NOT APPLIED FOR BY ME

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 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Stolen/lost American Express card used for 5 different fraudulent transactions. 

XX/XX/XXXX{$32.00} XXXX XXXX XXXX ( XXXX ) XXXX TX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$390.00} SKY LIQUOR XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX allowed someone to use my credit card. 2 separate transactions done at the amounts listed should have prompted their employees to question and ID the buyer. they rang up 2 separate orders clearly trying to keep each transaction below limits that the credit card company would flag. and these stores let them do it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28 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: MS

Complaint narrative:
I have contacted Equifax previously that this account fraud being reported is not my account. The account listed as XXXX XXXX  XXXX in the amount of {$500.00} does not belong to me. I have never done business with any company or signed any type of contract with them. There are also inquires from companies listed that I have never applied for any credit with XXXX or XXXX. I have contacted the company listed and called Equifax and explained this is fraud in great detail. I have given them all requested information and this information is still being reported.

Company response to consumer: Closed with explanation