vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was following an account on XXXX XXXX They offered credit repair, credit sweep, tradelines, cpn, help with obtaining auto loans, help with finding a co-signer for student and personal loans.On XXXX XXXX,2019 I purchased two tradelines and I was told that I will be added as an authorized user to two credit cards and will also be able to use them for my personal use but would be responsible for my charges and accounts will be in my possession and stay on my credit report for 12 months. Owner of the account sent me a request through Zelle for an amount of XXXX. She confirmed receipt of funds and later sent me a text stating that everything is all set and I should expect cards in the mail and gave me log in instructions to follow after cards would come.We later agreed that next week I would get more information on how to purchase a product that their website XXXX offers for obtaining a co-signer for a student loan and a personal loan. On XXXX XXXX,2019 owner of the account texted me saying that her XXXX account was deleted and even though she is on vacation, she will be available and will proceed on fulfilling her duites after I make a payment for those two products. I was told that it will take about 2 business days to receive funds. She sent me another request for Zelle but she said it was from her other Zelle account.  I paid XXXX for those products.  Few hours later I called and texted to see if she needs any information from me in order to proceed.  No response. I called next morning, no answer. After I hung up, this woman called and started yelling and cursing at me for bothering her on her vacation and that because of this she will block me and she won't be proceeding with any of her responsibilities. Later on she got her XXXX account back but under XXXX  name.  I have tried calling her.  She did block me from her number that was listed on her website XXXX. I kept sending messages through her contact link on her website and no response.  Few days later, I saw on her website that the number had been changed to XXXX.  I called that number and the woman answered.  After I told her who I was, she started yelling and cursing at me telling me that she doesn't care if I spent money on her products and that she has no intention of fulfilling her obligations and that if I called her again there will be actions done against me.In the past 3 weeks I tried to contact XXXX Zelle and XXXX (company that she has her domain from) asking for help in recovering my funds as it is very clear that this is simple internet fraud.  All three refused basically telling me that this is my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CORELOGIC INC
State: NJ

Complaint narrative:
I have an alert on my account from XXXX XXXX  from XX/XX/XXXX I received a phone call from them asking if i needed security i told them i wasnt Interested and the guy was very rude and insisted i hung up on him and next thing i know this was on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I was to receive a social security XXXX back pay check and the bank account information that was on my application was with my ex husband and closed/charged off. the social security office told me that since it was closed it would be rejected and bounce back to them then it would take a few more days but they would send me a paper check. 
My local branch would not except it so the XXXX  XXXX branch took it upon themselves to and when they did they force reopened the account and took the money they were owed then turned around and told me that their back office said standard practice was to send a check for the remaining amount of money to the primary account holder. So they took my Government XXXX check took all my information that it came in off and sent it to my ex husband at an address that was never even on the account. They also told me they didn't know where the transfer came from because it only had my social security number on it and that's a lie I have a print out from my branch and it says SSA TREAS XXXX XXXXSOC SEC XXXXthe last 4 numbers of my social security number then SSA. I tried talking to the Assistant MGR her name was XXXX XXXX and the Branch MGR XXXX XXXX they told me it was my responsibility to get my ex husband to give it to me willingly??? 
XXXX XXXX XXXX XXXX XXXXt. XXXX Pa branch phone number XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 am a victim of Identity theft. While traveling for business my wallet with my, drivers license, credit cards and social security card was stolen from a rental car. I filed a identity theft affidavit and police report. I sent it to Equifax 4 times. Spoke to two supervisors and faxed to one. My identification was used in an emergency room that I have never been to. 
All information was sent to the collection agency that never contacted me before having this put on my credit file. I contacted Equifax 5 times and asked for it to be deleted and blocked and I was told that it would be taken care of, however 4 days later it is still showing up on my credit file. I called and asked to speak with a supervisor on XX/XX/2019 3 times being transferred back and forward between the overseas agents and the American agents. Every time I have to call Equifax this is how I am serviced as a identity theft victim who has provided them with all documentation. I am also a victim of the Equifax breech. I remained on the line for 45 minutes while sending this waiting once again to speak to a supervisor. I contacted Equifax immediately when MYFICO sent me an alert that something had been added to my credit file on XX/XX/2019. An agent told me that on XX/XX/2019 that this collection of {$500.00} was deleted and blocked. As of today XX/XX/2019 it is still showing on MYFICO and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
It was recently reported on my account that I had a derogatory account with Eastern Connecticut Account. I have never received anything regarding a missing payment to my New York address. This is regarding an XXXX XXXX payment for XXXX dollars. This was a charge from XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX at the time as I was under my father’s insurance. 	I received a few phone calls in XX/XX/XXXX from *XXXX Fraud Alert #*, I obviously did not answer. I had a voicemail saying to please call and confirm a social security number. I XXXX Eastern Connecticut and saw extremely negative reviews. My concern regarding giving them my personal information only began to grow. When I called back I instructed the representative that they showed up on my phone as fraud. Then the representative began to instruct me on an XXXX XXXX debt. I asked from when was this from, they said XX/XX/XXXX. I asked her if XXXX XXXX put my insurance in. XXXX XXXX XXXX XXXX XXXX in and out of state number. I know that my insurance would have went through, as I had XXXX XXXX XXXX and had numerous bills that were all covered. I instructed her to reach out to the XXXX XXXX and try to submit the claim or call me back if there were any issues. I didn’t feel comfortable just making a payment to this organization, especially after the reviews and the type of infection I had during that time. When the organization never called me back, I assumed that the XXXX XXXX had taken care of it.	After I got an update from my XXXX  app on a negative report to my score, I saw it was Eastern Connecticut. I immediately called Eastern Connecticut, and left numerous Voice Mail Messages. I had one representative hang up on me multiple times, when I was trying to explain I don’t live in Connecticut. After finally getting through to one representative, I finally paid the XXXX dollars. I asked if they could send a report to your company saying they didn’t have my address and the person laughed at me over the phone. He said, “Why would I help your credit score”. He said, having a phone number is sufficient enough to report someone as a derogatory account. 	This organization is taking advantage of people and I don’t want my credit report to be negatively reflected by this. XXXX even reported their entity as fraud. I did pay this organization, however extremely reluctantly. I have attached a copy of the receipt. Please, if your organization can update my credit score and remove this derogatory account information. I have never missed a payment on any of my accounts. I have a number of student loans that I’m trying to pay off, and this negative credit score will hurt my future in receiving a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After doing several disputes with Experian and XXXX  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Receivables Management reports a new collection amount to XXXX and XXXX   every month. Not only has the original amount jumped almost $XXXX, They have changed the amount owed monthly for the past 6 months. I have disputed the debt twice, only to have a letter sent to me with signed paperwork and no amount for the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
The Collection Agency trying to collect on a debt that is NOT a debt. The original creditor used another collection agency to collect the exact same debt. I disputed that one off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
This is a horrible company and even after a put a stopped payment with my bank from them going in my account, they still keep calling me and harassing me even calling my job. I think this company is a scam and they should be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Someone who did not identify themselves has been sending text messages to several family members and friends using my name and dob stating that they are about to file a lawsuit. When I called the phone number of XXXX he didn't identify where he was from but did start to state my personal information but I would not verify with him anything because he never stated that this is an attempt to collect a debt. He even said he wasn't a collection agency but he was an " officer '' He did state that this was for First Virginia bank and yelled at me telling me that if I was rude to him that he would terminate the offer and sue me. There is no company name. I have never received any correspondence and I refuse to verify anything from someone I don't know or have never heard of due to fraud in the past

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The company I.C. System Inc is illegally re-aging an old debt. The original date of last correspondence that my husband received from XXXX, was in XX/XX/XXXX seeking {$1000.00} on past due debt. My credit report shows the last date of payment in XX/XX/XXXX, yet I.C. System Inc continues several times in a month, to update the debt as new which in turn continually TANKS my score each month. This is illegal and I want to file a complaint AND sue this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: MD

Complaint narrative:
in XX/XX/2019 XXXX XXXX reported a charged off account against me in error.   my transunion credit score decreased over 40 points - i disputed this with transunion - meanwhile - i communicate this error with XXXX and they agreed to remove the information from all three credit agencies - this was back in XX/XX/2019 - the other agencies have removed the item but transunion has not.  i filed another dispute with transunion under the reason "creditor agreed to remove this item" but this has not resulted with transunion correcting this error. then to make matters worse - on XX/XX/XXXX - transunion (reported by XXXX XXXX) dropped my score another 30 points but there is absolutely no reason for this - in fact THE ONLY CHANGE that occurred for my account was TWO POSSITIVE events - two collection accounts were REMOVED - leaving me with 0 collection items.  why would two positive events cause an additional 30 point drop.  transunion could not  provide me an explanation via phone - so considering this is the SECOND issue that i can not resolve with transunion - i am requesting assistance from crpb to assist me in resolving this 70 point decrease that can not be explained nor justified - the fair credit reporting act REQUIRES transunion to correct these errors immediately as it is causing me financial and employment issues.  i could sue them for interference with economic relations as this 70 point error is impacting my ability to obtain new employment and purchase a vehicle for transportation to and from work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/2019 Sequium Asset Solutions Original Creditor 11 XXXX XXXX  Amount XXXX $ I have reported to Each credit company I do not know own this bill I was living with relative since I had a XXXX this is not my bill and I will not pay. I was victim of the breach and want this removed immeditaly. A person who is XXXX can not have cable tv.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been dealing with an ongoing issue with Wells Fargo card for two (2) years. I called customer service again today and spoke with XXXX who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful bug bite and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Wells Fargo has failed to properly investigate my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
According to the Law HR 3909, Postmark Payment Act of 2014, my payment is made on the day i put it in the mail/post office and is post marked for that day. Four times, Chase-Amazon credit has charged me late fees because they received or recorded a couple days late. These dates are : XX/XX/XXXX for {$27.00}, XX/XX/XXXX for {$28.00}, XX/XX/XXXX for {$39.00} and, XX/XX/XXXX for {$39.00}. This is a total of {$130.00} i have been wrongly charged and would like a refund or credit to my account immediately. Also, HOW MANY OTHER PEOPLE ARE THEY CHARGING, BREAKING THIS LAW?!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
Transunion deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing. 

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In early XX/XX/2019, I was targeted for a promotion [ Citibank promotion #  XXXX ] to open a Citibank checking account and receive XXXX American Airlines Advantage miles after specific qualifying activity. I received a welcome email from Citibank and instructions to complete this activity, which is attached. 

After having completed all required activity on XX/XX/2019, I waited to see that these bonus miles were credited to my American Advantage account. When I did not see them, I contacted Citibank at telephone number XXXX, on XX/XX/2019 and an inquiry was started on my behalf from which I received reference number # XXXX. On XX/XX/2019, I received the attached letter from Citibank stating that my account had met the necessary requirements, but that I would need to wait until 90 days from the date of the qualifying transactions. Termination of 90 days from qualifying activity occurred on XX/XX/2019. 

On XX/XX/2019, I again contacted Citibank to inquire about these bonus miles. After having been on the phone more than five hours and having been transferred to no less than six different representatives [ originally spoke with XXXX, was transferred to XXXX and then transferred to XXXX. XXXX was the Citibank Costco representative and he transferred my call, but the call was dropped. I called back and spoke to XXXX who transferred me to XXXX, who transferred me to XXXX. All these notes appear on the second copy of the XX/XX/2019 letter received from Citibank. ] I was told the miles should post to my account by on XX/XX/2019, but no later than XX/XX/2019. 

Today, XX/XX/2019, I again contacted Citibank to inquire about these missing bonus miles. After more than one hour and speaking to at least two representatives, I was told a new internal investigation was required, but she would ask that the miles be expedited. In her words, hopefully the miles should post within 7-10 days. My new reference number is # XXXX. 

I have spent more than 10 hours on the phone with Citibank, contacted them via XXXX and nothing has been resolved. This has been a very frustrating experience and has left me feeling that they offered a fraudulent enticement in order to expand their customer base.

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