vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 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: OH

Complaint narrative:
XXXX, XXXX, and XXXX are reporting on my credit report and Experian has investigated and told me to reach out the company reporting. I haven't heard back, violation of FDCPA/FCRA and I do not recognize the accounts. It's been past the 30 days allowable timeframe and experian is still reporting the accounts, which is in violation of FCRA. They also recently reported this account XXXX and I had no knowledge. This is unfair reporting and not accurate representation of my situation.

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This company has on several occasions called me, my family members, and my husband 's ex-wife stating that I have a pending law suit against me. The company gets very aggressive and threatening before hanging up. Today XX/XX/XXXX I decided to go along with the call to find out exactly what they were trying to get from me. I have 2 voicemails from a gentleman stating that there was a lawsuit against me and that my failure to respond would result in my admission and I would be held accountable by the courts. I called back and was transferred to a girl that said it was in regards to a Wells Fargo account that I opened in XX/XX/XXXX and that I overdrew the account and owed {$4200.00}, I knew that this was incorrect. She then stated that they had tried to settle the account with me for {$1300.00} which was also incorrect. I told her that I was concerned that someone got a hold of my social security number and that I would be calling the social security department, she started to get aggressive and ask why I would do that but then quickly said that maybe I should because I am responsible for the debt and I should be prepared to show the judge everything. I asked when the court date would be and she said that would be in the letter they send me. I asked her when the account was closed and she said that I didn't close the account but Wells Fargo closed it because the account was so overdrawn. I also knew this was false. I called Wells Fargo and they confirmed that I do not have any outstanding accounts with them. I was able to get the name, address, and phone number to the company that has called. I want them to stop contacting me and the people I know in regards to this fraudulent claim. The company is called XXXX XXXX XXXX, the phone number was XXXX, and the address is XXXX XXXX XXXX XXXX, CA 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 2018-05-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 I received an email from Chase letting me know that their airport lounge benefit would be changed from free admission for me and my family members traveling with me to just 2 guests. I have more than 3 people in my family and therefore I will be charged for my family members to use the airport lounges. I specially signed up for this card for this benefit. I paid a {$450.00} annual fee in order to use this benefit when I travel with my family. I barely had the card for 2 months and now Chase is playing classic " bait & switch '' by changing the benefit after they took my {$450.00}. I called customer service and they offered no resolution other than saying " sorry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Starting in the month of XX/XX/XXXX, for all Online Bill Payments delivered via paper check Bank of America stopped debiting my account for the payment on the Send On Date. In addition while these transactions were processing Bank of America removed all references to the payment from Online Bill Pay site, leaving no record for the consumer to tell what amounts had been requested be sent to merchant ( s ). The combination of these two changes without prior notification resulted in several overdraft fees. 

In talking to Bank of America representatives on XX/XX/XXXX, it was stated several times that nothing had changed and all the merchants must have changed their relationship with the Bank. In addition they stated they had no control how payments were sent out nor was there any way to tell whether my account would to debited on the Send On date or the date the merchant cashed the check. 


The following is how Bank Of America describes Online Bill Payments made with Checking, Money Market, Home Equity Accounts The Deliver By date is the estimated date that the Pay To account will receive the payment. 
The Send On date is the date that funds for the payment are withdrawn from your Pay From account. If there are not sufficient funds in your account on the Send On date, your payment will not be made.

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have never lived in these apartments they are collecting on. I called the apartments directly and drove down there to get a copy of the lease and i.d of the person who signed the lease and she said I had to talk to the collection company. I have called them maybe 12 times over the last 3 years and they are no help. I tried telling them that it was identity theft and that I never lived there, the man told me to pay or stop calling and the lady hing up on me. I asked for validation/proof 5 times, they have yet to send any letters or emails. I called one last time before sending this in and got no answer. I looked up the company and all the reviews are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My identity was stolen and this creditor will not remove this fraud account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I requested credit limit increase on XX/XX/XXXX for my existing XXXX XXXX Credit Card. 

On XXXX website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from Equifax that, XXXX ran a credit inquiry on my credit report. I never authorize XXXX to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of Equifax page for reference. 

I dispute this inquiry with Equifax to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact XXXX directly. 

I contacted XXXX on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like XXXX run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/XXXX I obtained a Cabela 's Capitol One Visa credit card with a {$3000.00} limit. In XX/XX/XXXX I was three days ( 3 not 33 days ) late with making a payment of XXXX. In XX/XX/XXXX my limit was decreased to {$1500.00} at the time I had over {$1400.00} in charges that I was paying on. after lowering my balance it had a huge negative impact on my credit causing my points to be decreased by 50 points and my debt to income ratio to increase painting the picture as if I do not make payments or pay my bills. during that time I was in the process of purchasing a home and could not secure the loan amount because of what Capital One/Cabela 's  done to my credit for being 3 days late and only had the card for less than 90 days. This really puzzled me of how a company can destroy someone's creditability for no reason I have never been anywhere near 30 or beyond late. After paying the card down to XXXX dollars to lower my XXXX so I could secure a loan to purchase a home for my family before I retire from the military. I was told it was best to have a balance on the card not to hurt my credit so I charged {$270.00} on the card. 0n XX/XX/XXXX my credit limit was reduced again to {$500.00} for no apparent reason. All payments were made in time automatically through ACH set up to eliminate any reasons for what happened previously. Again I am now about to close on a new home and they do this again with no reason as of why. When I called they could not give me a reason as of why they did it. This has to be a violation of the FCRA. I got the card to help boost my credit and they have done everything to destroy it. I have been looking for contact information to email the CEO of this company because this is very unfair treatment to a customer who has paid of cars with Capital One and have spent a lot of money with Cabela 's. Is this predatory lending or a set up to destroy credit and lose faithful Cabela 's customers. in less than a year and never late they have successfully destroyed me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: CA

Complaint narrative:
I lost my XXXX credit card. I called in to dispute for all the transactions that I didn't authorized but XXXX still make me to pay for those transactions. Please help me to resolve these issues. XXXX team refused to resolve these issues and requested me to pay : 1. XXXX XXXX : XX/XX/XXXX= {$430.00}. XXXX 2. XXXX : XX/XX/XXXXXXXX {$18.00} 3. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 4. XXXX : XX/XX/XXXXXXXX {$150.00} 5. Half & Half : XX/XX/XXXXXXXX {$6.00} 6. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 7. XXXX : XX/XX/XXXXXXXX {$15.00} + {$12.00} + $ XXXX {$36.00} 8. XXXX : XX/XX/XXXXXXXX {$280.00} 9. XXXX XXXX XXXX XX/XX/XXXXXXXX {$59.00} 10. XXXX XXXX XX/XX/XXXXXXXX {$54.00} 11. XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX {$210.00} 12. XXXX 's XXXX XX/XX/XXXXXXXX {$14.00}

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 2018-05-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary : Citi closed my account without my permission. All bills are paid on-time. I called on 3 separate occasions after the Citi CSRs break their commitment and failed to follow up and call-back. Day-by-day details below : Friday - XX/XX/XXXX - I called to inquire about my Citi Prestige annual fee, and asked if Citi has any retention offers or willing to waive the annual fee. The CSR responded by saying no such offer is available. I thanked her and mentioned I would like to use up/redeem my Citi Thank You Points online prior to deciding to close the card, and if I decide to close the card, I would call back. 

Sunday - XX/XX/XXXX - I logged in to citi.com, realized my credit card has been closed, and I no longer have access/ability to redeem my Thank You points. I called the 1800 number, however the CSR told me that she would have to pull the call history to prove that the agent had closed my account without my approval. The CSR mentioned she would call me back on XX/XX/XXXX at XXXX XXXX XXXX. 

Wednesday - XX/XX/XXXX - The CSR never called me back, and I called the 1800 number again. I was informed that the call still had not been pulled, and the CSR would call me back on XX/XX/XXXX at XXXX XXXX   XXXX. 

Thursday - XX/XX/XXXX - no call back from the CSR, I called Citi again, was on hold for a good 20 minutes, and again, same explanation as the other CSRs - they need to pull the call record, and they have not been able to do that. This CSR told me the process to pull a call record takes up to 10 business days. I have also asked if there is a way to escalate this issue, and was advised no such option is available.

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 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal refused to close my account today despite 8 phone calls and failed to recredit me for a fraudulent charge for {$170.00} from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed down my Capital One credit card but they failed to tell me that interest would accrue. After I closed down my account I checked my credit report and saw I was being reported late for the last 6 months. They told me it was closed, they never told me about 'daily interest ', therefore it kept reporting as a late payment. I should not be held liable for these delinquencies and these derogatory remarks should be removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
The debt is for my grand daughter XXXX which was in the hospital due to a medical issue and should be reflected on my sons credit report. I am XXXX XXXX XXXX XXXX and he is XXXX XXXX not mine. I talked to the collection agency and was told the debt is mine. I disputed it with the credit agencies and was told it was a valid debt on my report. the only identical thing here is my son has my name, making him a junior, not a senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have worked with Wells Fargo extensively without any success. They are forcing me to escrow funds for flood insurance even though I was personally billed and have paid my flood insurance until XX/XX/XXXX and my mortgage is paid until XX/XX/XXXX. I would like Wells Fargo at a minimum to suspend collecting escrow funds as the policy as between current policy expiration date and escrowed funds on hand the policy is paid until XX/XX/XXXX. Ideally, I would like them to terminate the escrow account with me accepting responsibility for future flood insurance premiums. I have spoke with several agents within Wells Fargo and they seem clueless as it relates to policy and mortgage obligations. The most reason assessment was that its the bank policy to keep any funds they collect via escrow for 12 months, when I asked if this was permitted and agreed to by the parties under the mortgage agreement they were unable to confirm that was the case. I have not entered into any agreement directly with Wells Fargo, my mortgage was originated with XXXX XXXX XXXX, who sold the mortgage to Wells Fargo.

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have never had service with XXXX XXXX XXXX, I asked for a letter showing proof that it was mine and have yet to receive it. Also, when I give them my social there's no record of it. I haven't gotten any collection letters or debt validation and now its on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Continuing case from case XXXX. Now I have a police report of all my a ccounts. You guys put me in XXXX XXXX. Ill get my money back but bank of America put a false claim in to XXXX XXXX. You guys put me in there. You guys get me out. XXXX That I lost. Remove me from 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 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
XXXXXXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX  checking to ambulance co, XX/XX/XXXX, and then paid {$46.00}XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help

Company response to consumer: Closed with explanation