vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there  is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The  implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.

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 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX  with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about 2-3 hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with XXXX XXXX. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already pissed this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX   and let them know he reached out to me so they can unsuspend his account. The rep with XXXX  even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has STILL not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: DC

Complaint narrative:
On XX/XX/2019 I received a call from Capital Accounts LLC threatening that I owe for a medical bill. I explained to them that I am a XXXX recipient and XXXX XXXX XXXX is looking into this matter, because the XXXX   office Dr. XXXX XXXX who at the time participated with XXXX decided they were not gon na submit the bill for billing. I have explained to Capital Accounts that they are violating Sec. 1128B. [ 42 U.S.C. 1320 a-7b ] of the Federal Health Care Programs. Also I have asked them to stop calling my place of employment and that has not ceased!. I have been harassed by them on several occasion starting XX/XX/2019 to present. On XX/XX/XXXX I received an email from XXXX XXXX stating that Capital Account placed a derogatory report on my credit profile. I have file a dispute, disputing the derogatory account with XXXX, XXXX and XXXX. Due to this situation my credit score dropped by 15 points. 

XXXX XXXX XXXX office is aware that I am a XXXX recipient, I have spoken to them on several occasion about this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: NJ

Complaint narrative:
I contacted experian letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to 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 non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a phone call from a Courier service/processor who said they were trying to deliver legal documents to me but were unable to get with me. They gave me a phone number to call to reschedule the delivery and receive more information regarding the situation. I called the phone number, ( XXXX ) XXXX, and reached a man named XXXX XXXX with XXXX XXXX. He informed me that this was regarding a checking account that I had with Wells Fargo bank from XXXX to XXXX which was over drafted by {$460.00}. He said that the account was marked as unresponsive because they were never able to get in touch with me and that Wells Fargo had handed the account over to their collections and legal department who were pursuing legal action against me to collect the debt as well as for Theft of Services and a possible legal retainer fee which could all amount to up to 3x the original debt plus a {$1000.00} legal retainer amount. He said that I could settle the issue outside of court which would help me avoid a judgement being placed on my Credit Report by paying the full original debt amount through their credit processor before any papers had been served to me. I asked if I could contact him later and he provided me with a phone number, ( XXXX ) XXXX, and told me that he would be in the office until XXXX XXXX but then changed it and said XXXX " our time '' but he's usually dealing with the east coast so he mixed up the times.

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 2019-11-04 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: FL

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
cription : Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. The XXXX XXXX XXXX XXXX XXXX has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. XXXX XXXX illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to the XXXX XXXX XXXX  XXXX XXXX. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: NJ

Complaint narrative:
I contacted XXXX  letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
We rented a house advertised on XXXX from XX/XX/XXXX to XX/XX/XXXX. The house was clearly advertised as heated, which was important since we were there in the middle of winter. Upon arriving however, we found that the only heat we available for sleeping at night were two small room heaters, one for each of the two bedrooms. Since the master bedroom was about 300 sq ft and overnight lows were 40 degrees Fahrenheit, the rooms were essentially unheated. We had a small child   with us, and after two nights of freezing cold we cut our visit short and went to a heated hotel room. 

We first tried unsuccessfully to resolve the issue with our hosts, who at first said they would offer a credit, but then reneged. 

We then unsuccessfully, to file a dispute with XXXX but they were unresponsive and put the onus on us to resolve it with the hosts. 

Finally, we filed for dispute resolution with our Citi AAdvantage MasterCard, which we had used to pay for the vacation. Our understanding of our agreement with Citi is that we are entitled to a refund if services or goods are defective or inadequate. We provided a detailed timeline of events, along with pictures of the listing, the room, the small space heaters, and the correspondence with XXXX. The total payment was for {$1400.00} -- we subtracted the first two nights we were in the flat, and requested a credit for was {$880.00} However, Citi refused our request on five different occasions. Finally they offered us a {$200.00} credit ( {$680.00} less than the amount we disputed and were out of pocket ) and closed the dispute against our wishes. ( At NO point would Citi dispute resolution personnel actually talk or email with us. Our only communication was a series of denial forms ) During more than two decades of using this Citi card, we have only disputed one other bill -- a railing installation at our house which was not completed for {$700.00}. We wish Citi would consider standing by its customers, and abiding by the agreements under which it issues cards to them.

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 2019-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management has attempted to put this debt as a different date as the previous creditor to make it appear on my credit report longer than what it is suppose to have been. I spoke with this company and the representative was extremely rude after some back and forth banter I hung up and decided to dispute the debt with the bureaus and they eventually removed it and then added it back closed it then opened it and now its open again stating that it was verified. 
I would like to know how this debt it being verified and they will not send me any info regarding the debt. It is {$8200.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
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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 2019-11-04 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: MD

Complaint narrative:
I filed a dispute with Citicards regarding a fraudulent transaction in XX/XX/2019. The grounds for this dispute were : 1. I verbally agreed to purchase the product upon a guarantee ( in email ) by XXXX XXXX, the company founder, that he would " personally see to it that I increase my monthly income to $ XXXX in 3 months ''. This guarantee was not met. 

2. Once I agreed verbally to purchasing the product, I was unknowingly charged {$5300.00} on a credit card he had on file, without receiving any receipt, invoice, or contract for the transaction. 

3. Despite numerous attempts to resolve the issue and/or get a refund over phone and email, XXXX XXXX refused to provide any actionable advice or assistance in resolving the matter. 

Despite assuring me otherwise, Citi has refused to help me in this matter despite my providing ample evidence that proves the merchant is obviously a fraud..

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 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Ma'am/Sir I had applied for a home mortgage with wells fargo bank From Day 1 I had informed their representative that I don't have a 2 year employment history yet but he still sent me a pre approval letter and said loan could be processed Based on their OK, I went ahead to submit an offer to the realtor for closing on the property and paid wells fargo to process the loan Wells fargo got the house appraised and appraisal was more than sufficient to process my loan. 
Their representative told me to extend the duration of the contract so that bank can complete its formalities and release loan so l got the date extended Their credit dept kept asking me for 2 year employment history till the last day inspite of telling me them that I don't have one from 1st day of contact with them. 
The contract expired but they did not release the money to buyer I lost the chance to get the house due to delay and negligence on well fargo 's part. 
I had to arrange cash at a very high cost at the last minute so that I could buy the house. 
When I asked wells fargo rep why was I charged this amount when my loan could not be processed, he didn't have an answer.He directed me to call his senior and speak to her I kept calling her but she would not pick.It would go to her voicemail but she would not call back. 
I realized that wells fargo had cheated me by charging me and getting appraisal done for the house even though they knew this loan could not be processed. 

I have attached a copy of all correspondence with them over email and text. 
Regards 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