vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
After a health issue in XX/XX/XXXX I fell behind on many bills. These past few months I have been trying to fix that. I settled what I could with what little money I had. I started looking at refinancing my home. During this process, the mortgage company denied me saying Wells Fargo has my account as a charge off but is posting the charge off every month as if it is happening every month. They are also posting late after the charge off. I spent a lot of time trying to find a way to fix this issue. I was offered a settlement for that account. I paid the settlement XX/XX/XXXX. Wells Fargo backed off the settlement and posted on my credit report that the payment made was a payment. I called everyday and got no response from anyone. I finally got XXXX XXXX on the phone. I explained to her everything. They are now posting my account as a charge off. And are beating around the bush to say I didnt settle the account. Without the refinance I can not pay the remainder debts off I have. After reading about the fair credit reporting act, I saw they have violated and ignored it on my credit report many times. I have a letter from them stating if a pay the amount. The account would be settled. They lied to me about that. I can not even get a receipt for the settlement I paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to XXXX XXXX. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company couldn't verify that both debt were mine. Which i had no knowledge of their exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a debt of {$130.00} owed. The original creditor of this bill should be XXXX XXXX. It would be a wireless phone bill. However I don't understand how it has gotten on my personal account, it was a business phone. The account was set up with a credit card. The account was paid on time every month, by automatic withdrawal with a credit card on file. Any arrears should not have happened, because the phone was transferred the day after the bill was due, so XXXX XXXX should have been paid. 
I travel a lot for several months at a time, so I don't always get a chance to correspond with letters sent, especially if I am out of state, which I usually am. I have never missed a payment and paid on time every month. 
I tried calling XXXX XXXX XXXX and XXXX XXXX last year to try and resolve this problem. XXXX XXXX Customer Service Reps, took me in circles and had me on long hold times only to tell me I had to call XXXX XXXX XXXX. XXXX XXXX XXXX, if I remember correctly ( no one came to the phone was always on hold for a very long time ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was charged an annual membership fee on XX/XX/XXXX for {$99.00}. I paid off the annual membership fee on XX/XX/XXXX before the statement posted. Chase did not apply the payment to the highest interest item on the account which was the {$99.00} fee. They instead applied the payment to the 0 % interest balance transfer. 

According to Chase 's credit card terms : 'We will begin charging interest on balance transfers and cash advances on the transaction date. '' This means by their own definition the {$99.00} fee is the highest interest item on my card at the time the payment was made. They are trying to hide behind the fact that the charge was not posted to my account. That doesn't matter since there terms state the " interest is charged from the date of the transaction '' not from the post date. They can't charge me interest and not allow me to pay it off. I live in Wisconsin and there is no prepayment penalties allowed. I tried to prepay the amount before it posted to the account and they still charged me interest. 

I was charged XXXX interest on XX/XX/XXXX ( I paid over {$100.00} over the minimum payment ) I was charged XXXX interest on XX/XX/18 I was charged XXXX interest on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was denied for a credit card application too many times and I was denied due to having too many cards open few months ago and today I submit a credit card application on XX/XX/2018 and they denied me all the way cause my date of birth was fake and they need some proof and I told them I don't have the way to go to the branch and I feel like I will be denied again if I submit my ID AGAIN and the bank will see my race and gender .. and I think this is discrimation and wrong and I'm so upset and I feel like if this was a XXXX person then he will be appoved right away .. the rep was rude to me and gave me a hard time and refuse to remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There 2 Capital One accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first Capital One account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd Capital One account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Everything goes well before XX/XX/XXXX, I can buy and sell coins through coinbase. Then I deposit XXXX $ to coinbase on XX/XX/2018. And the money number appears in my coinbase correctly. After this, they suddenly suspended my account and asked to add my SSN to complete verification. Then I try many times to use my SSN to finish this verification. But it always fails. I contacted coinbase then, and three months later, i still not get a proper solution ( they only replied me twice ).  Nothing i can do but wait. They can not let me DEPOSIT MONEY AND JUST LOCK MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In 2016 Company called but wasn't able to verify the debit was mine or the proper documents needed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX : My wife deposits a security deposit return check from her landlord. It was accepted by her bank. 

XX/XX/XXXX : A forged check is physically presented at a Fifth Third Bank for the same amount. The funds are debited from our account without our notification. When my wife notices in our statement the missing funds she contacts our bank and they state the funds were removed by request and that we need to contact the writer of the check. At the time, the representative did not state that the forged check had been presented at a Fifth Third bank. We go back and forth with her landlord until we agree he did not receive back the funds. 

All attempts to contact Fifth Third bank result in stonewalling and the representative stating that because we are not Fifth Third account holders that they can not help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint " XXXX XXXX '' financial, authorized a ACH withdrawal from my XXXX Checking account in excess of {$3200.00} without my knowing. I made a simple online payment, which I have done every month for several years, where the payment amount is pre-selected as the minimum payment due. The process to pay is very simple and straightforward. There is no keying in of any numbers or information. My banking information is saved and the amount is pre-selected for me. I click submit and the payment goes through for the minimum monthly payment. 

For reasons Shellpoint can not explain, an amount in excess of {$3200.00} was drafted from my checking account. I have issued a stop payment through my bank at my expense. I have incurred an overdraft penalty at my own expense. I am likely to incur additional financial penalties from other bills that were pending due to this excessive draft wiping out my entire checking account balance. Shellpoint has repeatedly offered no meaningful explanations and admits no wrongdoing of their own. They have confirmed, that the only way to pay additional money is by entering that amount in a separate field which I certainly didn't do. I am not here to argue, I am here as a customer who is a victim of this company. I want my voice heard. This mortgage company was a treachery from the beginning when I bought my home ( for reasons I won't go into ). They should be out of business, period. Not only have I never missed a payment, I paid my mortgage throughout my bankruptcy after dealing with a very difficult divorce. Shellpoint has no right, in my opinion, to hold on to these funds for any period of time. The payment should be void and cancelled, end of story. It is my right and my duty to warn other consumers, through this complaint, that Shellpoint " XXXX XXXX '' XXXX is not to be trusted with online transactions. 


Shellpoint " XXXX XXXX '' has no meaningful response or explanation at this time. Company is making me go through a process to refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: MI

Complaint narrative:
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: MI

Complaint narrative:
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent JCPenney account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: FL

Complaint narrative:
I filing this complaint, XXXX, TransUnion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

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 2018-05-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: Skopos Financial, LLC
State: FL

Complaint narrative:
1.Account was paid off by Gap insurance but company lost the necessary document

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Paid account off with Regions. Now months later they are charging me a {$50.00} fee plus late charges on a paid account with no credit available. Account should be closed but they continue to keep it open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
SO this is ridiculous, because after filing over 15 complaints with Trans  Union, XXXX and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard 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 2018-05-03 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: VA

Complaint narrative:
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, XXXX  and Experian, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard 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