vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 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: TX

Complaint narrative:
I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
There are  Credit reporting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my credit score and cre dit report, and is holding me back from doing things that I need to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Sent W ell Fargo Bank  a NOTICE OF DISPUTE, NOTICE OF DEMAND FOR PRODUCTION OF DOCUMENTS, AND NOTICE TO CEASE AND DESIST

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has merged my excellent credit report with another person that has the same name and similar social security number. They will not remove negative information from the other persons credit history from my credit report nor will they verify if my credit history has appeared on his credit report. Through their numerous  XXXX  ups Equifax has provided me with the other persons social security number, date of birth, addresses, etc. Equifax will not verify that my personal information has been properly secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Robocalls about PHONY legal and/or debt problem from  XXXX  TX exchange - many times a day to our business phone line.     No one at the  XXXX  or  XXXX   XXXX   XXXX  to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services is at tempting to collect a debt for  XXXX   XXXX . I have never attended  XXXX   XXXX . I have disputed this debt several times with all  XXXX  major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of   delinquency being reported is  XXXX / XXXX / 2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
theses are hard inquiries on my report.That needed to be removed.      Jc Penney Fund Suite

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 2017-05-12 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: Cogent Road, Inc.
State: AL

Complaint narrative:
theses are hard inquiries on my report.That needed to be removed.      XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I filed bankruptcy in   XXXX   Chapter  XXXX . It has since been discharged.  General Motors c alled my lawyer and we arranged a day to pick up the  XXXX  as I surrendered it in the bankruptcy. They picked it up  XXXX . My husband filed chapter  XXXX  who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on  XXXX  they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter  XXXX  had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter  XXXX  I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter  XXXX  and it was discharged. This company harassed people at my old house harassed my husband and threatened me.  XXXX  broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: PA

Complaint narrative:
They completely ignored my concerns.

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 2017-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are  Credit repor ting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my  credit score a nd credit report, and is holding me back from doing things that I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: DISCOVER BANK
State: GA

Complaint narrative:
Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a fraudulent check from a scammer for a bogus job. I deposited the check into my  Wells Fargo bank checking account, The next day, I called the bank,  check my account and asked the banker if the funds were clear and available. I was told yes " the funds are clear and it is available ''. I withdrew  XXXX  out of my account and deposited it into the scammers  XXXX   XXXX   XXXX  account at   XXXX    XXXX   XXXX .  Two days later I received an email from Wells Fargo bank stating that the check was fraudulent. Wells Fargo with drew  XXXX  +  XXXX  dollars out of my account, which emptied my account.

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 2017-05-12 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: PA

Complaint narrative:
They completely ignored my concerns.

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted  XXXX   XXXX  on  XXXX / XXXX /  XXXX   regarding a APR decrease since my APR was at 27.34 %. I was told after speaking to numerous agents and finally requesting and was allowed to speak to a supervisor. The supervisor stated there were numerous accounts like mine that  XXXX   XXXX  had bought out and these accounts never qualify for a rate reduction. I explained that I 've had this account for 12 years and found it odd that there were no rate reduction. At that time it was explained to me that  XXXX   XXXX  never notifies cardholders they 're entitled to a rate reduction and that I would have to continually call in and request one. I stated that appeared to border on fraud and that they 're attempting to hide this from customers. I was told they would escalate my issue and I would receive a call back. I was then offered a {$50.00} credit to help with the interest rate. I never received a call back and contacted  XXXX   XXXX  again on  XXXX / XXXX /  XXXX   regarding this same issue. I was connected to  XXXX ,  XXXX , in VA after speaking to another representative.  XXXX  informed me that after reviewing my account I would not qualify for a rate decrease. I expressed my displeasure with this outcome and had her review my account for any offers of a rate decrease. In 5 years that the account has been owned by  XXXX   XXXX  there was no indication I ever qualified for a rate decrease and in the 7 years prior to that it was the same answer. I asked was this due to my payment history are balances and was told neither were an issue. I indicated that I was aware that none of the accounts that  XXXX   XXXX  buys qualify for rate decrease and this was a more systemic issue that appears to border on fraud. I asked exactly how many accounts did  XXXX   XXXX  own in my predicament,  XXXX  refused to answer the question. I informed her that I would be turning this issue over to the CFPB for review and I requested to close my account. I also reminded her that I  had 2 other accounts with Cap One that had no where near the APR on this card. The account was subsequently closed, however I would not have closed it if my APR had been reduced. Also I believe Cap One engages i n systematic fraud by where they charge exorbitant APRs then place the owness on the customer to figure out if they qualify for a lower APR. How would the customer know that on their own when  Cap One  holds all the cards in this arena and should have a duty to notify their customers if they qualify for this benefit. They know how to notify a customer of a late payment, so why ca n't they notify them if they qualify for a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I received a n otification in the mail from Midland Credit Management , In  c, Asset Acceptance, LLC statin g that there was a Civil Procedure and Final Judgement against me from  XXXX  of  XXXX . I was asked to complete  a Fact Information Sheet and r eturn to sender within 30 days. The date of the letter is  XXXX   XXXX ,  XXXX . I have no knowledge of this situation. There is a  XXXX   XXXX  case number attached, when I looked up the case number it was filed in  XXXX  of  XXXX . Again I had no knowledge of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was denied mortgage relief assistance thr  ough the S.C. Help Program. I went to apply for help though the S.C. Help Program, and I was told that Citifinancial did not participate.
I am not the only one that got the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Anytime I try to request my Experian credit report from  annualcreditreport.com, I  receive the following error : A condition exists that prevents Experian from being able to accept your request at this time.     I 've attempted to request it multiple times over the last year, being met with the message each time. I have had no issues requesting my report from the other agencies, and do not have any additional security measures in place. A quick look online yields that many others have run into the same problem, specifically with Experian.

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 2017-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.

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