vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 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: NV

Complaint narrative:
Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that is incorrect.

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 2017-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On   XXXX   XXXX   I (  XXXX   XXXX   ) a nd my wife  (   XXXX   XXXX   ) went  to a  Wells Fargo Branch  in  XXXX   XXXX  Texas off  XXXX   XXXX  to withdraw funds that showed available in my wife 's savings account. The money is from a insurance claim for damages to our home. We waited for the funds to become available before contacting the company to fix our roof. We were told that there was an error and that the funds could not be giving to us because the check was not properly endorsed. So I asked why did the check get process and the funds show available in the account if they knew it was an error? The lead of the teller whom would not give us her name when asked she blamed the ATM for the error but I kept asking whatever who ever the error why was the check process and funds made available if it was an error. The tell kept repeating the same issue. She then accused my wife and I of trying this at another  Wells Farg  XXXX  bank and was trying it again to try and withdraw the funds. I insure the tell that this was not the case. We needed to withdraw funds that show available in my wife 's savings account to pay the roofers. They told us to contact our insurance company ( who is thru  Wells Fargo ) and get a let ter for them authorizing release of funds. My wife and I understand the reason but want to know why the would process a check if they knew it was in error?

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 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In this  XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.

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 2017-05-15 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: NV

Complaint narrative:
XXXX, XXXX and Transunion have just added three " 90 day late '' marks on my credit report for my closed and paid off XXXX credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is " XXXX ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a XX/XX/2017 report and another screenshot of a XX/XX/2017 report for comparison. I have highlighted the information that is incorrect.

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 2017-05-15 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: NV

Complaint narrative:
XXXX , Equifax and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX   report for comparison. I have highlighted the information that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: MO

Complaint narrative:
Applied and rece ived First Progress Card. Init ial  XXXX  paid by Bank card on  XXXX   XXXX    XXXX  . Paid remaining Bank balance of  XXXX  on  XXXX   XXXX    XXXX  .    Contacted First Progress  at  XXXX   XXXX   XXXX   XXXX  to ask for refund of my  XXXX  and to cancel the new card, I was instructed that I would only receive  XXXX  due to they ca n't find the initial payment on  XXXX   XXXX .   Both transactions are clearly on my bank statement which I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
we have payed on the car for 3 years and still owe  XXXX  the car is only appraised at  XXXX   thur     XXXX   XXXX     now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for 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 2017-05-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I have been called four times in  two  hours just today  XXXX / XXXX /  XXXX   alone. The company that has called me repeatedly is Phoenix financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  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 2017-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hi my name is  XXXX   XXXX  I just file the complaint about  XXXX  credit bureau complaint  XXXX  yesterday I was checkin g trans union credit reports I have lots of new item in my credit report, I have o nly  XXXX  loans on my name auto loan and   XXXX   XXXX   credit card that 's it like I said last time  XXXX  credit bureau have false credit report on my name I never have  XXXX ,  XXXX  credit card and I never been to  XXXX  another  XXXX  I never go to   XXXX   XXXX   I have health insurance for  XXXX  and I only go to  XXXX  in  XXXX  only all the new ite m in trans union cre dit report its false statement 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 explanation
Consumer complaint received 2017-05-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: OH

Complaint narrative:
I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
Last week I was contacted by a debt collection agency by the name of  Halsted Financial Services, LLC  and told that they had a debt of {$150.00} that I owed   XXXX   XXXX   XXXX  . I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I owed   XXXX   XXXX   XXXX   anything and they told me that the email was all they had. I have been called upwards of  20  times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If   XXXX   XXXX   contacts me with proof of the debt then I will pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital  one  has closed my accounts for ungiven reasons. I still have a balance of {$440.00} in one checking account ending  XXXX  and {$520.00} in another savings account ending  XXXX . I was told by their agent that they wont release those funds to me, and I will have to contact the bank of those incoming fund to reverse the fund.That will be impossible for me to do. I dont understand why capital  one  cant release those fund to me after the accounts were closed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me out

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Trust Management LLC
State: FL

Complaint narrative:
I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point whe n Capital One upda ted my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contact ed Capital One to o pen an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would tak e 10  business days for the investigation to be completed.      XXXX   XXXX  I ca lled Capital one back as I had not received a let ter or call back. The woman who answered the phone stated it would tak e 60+ da ys for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still b e 60-90  days before my credit report.     In the mean time my application for my first home will have been declined  due to Capital Ones  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

Company response to consumer: Closed with explanation