vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 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: CO

Complaint narrative:
Hi my name is XXXX XXXX I am reaching out to you do to my Experian credit report. Couple months back I obtained a copy of my Experian credit report and on my credit report there was a duplicate account that was posting twice. One with no data and one with correct data So I contacted Experian and had it disputed. The consumers name that I was disputing for posting duplicate was XXXX XXXX  But unfortunately Experian member deleted an active account from a different company the name for that company was XXXX XXXX XXXX  due to the wrong deletion my credit score took an impact of dropping my score lower. I have tried contacting Experian multiple times but every time I do contact them I am greeted with the foreigner that does not understand what Im trying to explain every time I tell him they deleted the wrong one he tells me yes sir we deleted XXXX XXXX  and I tell him know yous deleted the wrong one then then they put someone else that still dont get that they deleted the wrong credit card posting. I had contacted XXXX XXXX and let them know they were going to post another months worth on my credit report but my concern is my past good credit report history is now missing due to experience deleting the wrong file.

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 2018-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2018 I mailed a certified letter to Wells Fargo dealer services requesting all the documents containing to the debt I owe them as of XX/XX/2018 I have yet to receive any documentation which is a violation of the Fair Credit Act I called and called tell haven't gotten anything.

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 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.

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 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX CREDIT MONITORING SERVICE ACCEPTS PAYMENTS BUT FAILS TO FURNISH SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: WA

Complaint narrative:
This account isnt mine. I tried to communicate with them but is almost impossible. Is an authorized user and is damaging my credit score.

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 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX CREDIT MONITORING SERVICES, I HAVE BEEN A MEMBER FOR YEARS AND HAVE PAID FOR MONITORING AS ADVERTISED! I PAY AND THEY FAIL TO ACTIVATE MEMEBERSHIP, TIME AND TIME AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol One credit card. 
Was a guest at a XXXX for a wedding. My credit card got charged twice for my room. I disputed the charge and Capitol One removed it and had fraud investigate. The hotel claimed I had requested to pay for another guest 's room and refused to sign an authorization. They sent the other guest 's room information and I had never even heard of him. Capitol One put the charge back on my card. I contacted the hotel, who would not return my calls, then filed a complaint with the XXXX. I sent this documentation back to Capitol One and they once again removed the charge and re-opened the investigation. XXXX insisted I offered to pay for this room even though I had already told them I did not and I did not know the person they claim I paid for. At no time did anyone contact this person even though both XXXX and Capitol One had his contact information. Capitol One then put the charge back on my credit card, but they put it on TWICE. Phone calls and faxes have been ignored. No one is returning my calls. I have called the general fraud line and online chatted with customer service. It appears no one is allowed to help me, including taking off one of the charges that was put back on twice. Worst customer service ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased a perfume using my XXXX credit card online which is offered through XXXX XXXX. I returned the item prior to the company making purchases final sale. I called XXXX to inquire on the status of the credit, they said they had no information to call XXXX that all credits had been issued. XXXX kept harassing me to make a minimum payment even though I didnt have the item and the status showed it had been received by the XXXX returns department. I paid them {$40.00} to stop the calls which I shouldnt have even done because Im paying for an item I dont have. XXXX  has yet to resolve the issue and emailed me yet another statement saying I owe {$130.00} which includes late fees because I wasnt aware I had a balance. At this point the account has been closed because XXXX is going out of business and XXXX  continues to charge me when they should be sending me a {$40.00} refund and stop collection on the account because theyre ruining my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
All these account have been contested and consolidated. There are not reflecting as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2018 I called Wells Fargo credit card department stating they reported a credit card on my credit. I asked them to verify using my social security number if there is a credit card account open, the person stated " NO their was not ''. I expressed that I would like to know if this is part of the class action suit with Wells Fargo accounts being opened without the actual owners knowledge. They then said they will send me to the executive credit card department to investigate. I asked again to the next person, they said " NO '' it was not I asked to get the case resolved as soon as possible. I have been 2 month and no resolution.

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 2018-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
This company calls me multiple times a day if I am even 1 day late on my payment. I have asked them to stop calling me so many times a day but they will not. They call at least 4 times a day from 2 different phone numbers. Today they have called 4 times in 4 hours yesterday was the same. 

I have attached screenshots of the phone calls.

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 2018-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
I had a Wells Fargo PMA account for over ten years, I removed money and told them to close my account. They did not close account as directed, instead they converted my checking account to a fee account. They have settled a lawsuit for doing this same thing already and they are continuing do this. The Bank regulator FDIC should be notified and this bank should be fined again, Account number 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 2018-08-05 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: DISCOVER BANK
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX Account ending in XXXX Re : Your letter Fraudulent charges were made on my account around XXXX of XXXX and some before that with one in XXXX. This was a long list and a high balance of fraudulent charges. It was quite concerning but when I first contacted Discover, they said not to worry about it, they would take care of it. Almost a year later, they have not. The list includes individual charges from online and local merchants as well as balance transfers. 

I have snail mailed you, as of XX/XX/XXXX, documents proving that your balance for this account is incorrect Because Discover failed to investigate the charges, I took it upon my hands as a researcher and it took me weeks but I was able to obtain written documents and verbal statements from all involved parties confirming the fraud on this account. Those documents were mailed to Discover weeks ago and they did confirm they were received but refused to reopen the case and simply said they would contact the credit agencies that I disputed their findings. This is unacceptable! 
Discover has not handled my disputes or fraud cases professionally and thus the balance remains off in your favor. Research on Discover, in general, shows that they have a history of doing this where clients get frustrated and give up. I have asked them on multiple occasions to remove those charges that are not mine, immediately. Please note that I have contacted all of the companies on the list that they denied were fraud and all of them confirmed it was fraud. So, Discover was not honest. I have noted this is the type of treatment they provided me not only in my credit card account but also in my bank account that I closed last year due to the same issues. My proof shows you did not investigate my disputes and fraud claims, seriously. I have also spoken to a XXXX lawyer who is providing advice. I am on full XXXX and am living on my XXXX  of {$1000.00} per month. The way they are treating me is discrimination against the XXXX on top of that they are causing me immense pain and suffering due to the stress from worrying about this. 
I will not be paying Discover anything until all fraudulent charges and legitimate disputes are removed. I am happy to document what I found but there are about 100 pages that I had to print out and mail to Discover. I am also happy to document my condition with my physician if that would help. I not only want to help with discover but I want to make sure this doesnt happen to other innocent people in the future. When your card is used fraudulently, it is very stressful and your credit card company is supposed to be there for you to support all of the false charges. This is their job. Discover failed, miserably. 


Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I L XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: SC

Complaint narrative:
I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX  ) who had property for sale. XXXX  went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.

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 2018-08-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.

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 2018-08-05 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: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or 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 2018-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was trying to add a new number to my Coinbase account since my att account was suspended and I got a new number.I called their customer support on XX/XX/18 at around XXXX for help. The rep told me to reset my password and in doing so I was locked out of my account for 2 weeks. They said someone would contact me so I could get my new number on their but that never happened ( what a surprise ) .only way I could access to my Coinbase account was to restore my old number so I payed {$270.00} to get my service back. When I was able to get back into my Coinbase account I was not able to buy or sell and all the stuff I verified was no longer valid. I was planning on using the money in my Coinbase to replace the {$270.00} I had to spend but I cant. Ive been going through financial struggles and cant even get access to MY money because their rep gave me bad information and now Im the one that has to suffer. Im tired of companies like this taking advantage of hard woriming people like me. I have 9.5 litecoin which is worth about {$700.00} at the moment and thats money I really need. Ive called numerous times but their customer support is useless if their rep had never gave me that information I wouldnt be in this situation its really messed up I have to go through this but they can make a mistake like this and walk away scotch free.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I feel Navient was negligent in processing the renewal of my repayment plan because despite my checking the box on the " Income-Driven Repayment Plan Request '' for " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in both XXXX and XXXX, they did not put me on the REPAYE. Instead they kept me on the IBR plan which I later discovered was about {$200.00} more per month. ( I would like to note that their form was very confusing though I felt marking that box would make my intent very clear ). Twice during these years I called to discuss my payments because I was having difficult making them and was steered toward making a request for a forebearance though neither time when I spoke with Navient did they advise me of a lower payment plan. Both my forebearances were approved. Finally in XXXX when I renewed my plan - and only because of an error on their part - I called to question the error and XXXX, a representative questioned why I was not on the lower payment plan ( REPAYE ) and helped me get on it. I have written the company with no adequate response to my complaint. I estimate I am owed from XX/XX/XXXX to XX/XX/XXXX for overpayments. Thank you.

Company response to consumer: Closed with explanation