vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: CA

Complaint narrative:
On XXXX XXXX XXXX responded to Federal CFPB that XXXX  XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and XXXX  and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX Rep before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of XXXX, Experian, XXXX  and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, XXXX, XXXX and Experian with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX.

I am respectfully requesting a Federal Investigations against  XXXX, Experian, XXXX  and XXXX  immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my National Origin as XXXX XXXX American.. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
This is a Urgent Matters!

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/XXXX I opened the Barclay XXXX Visa card which made my first statement balance due by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I signed up for automatic payments - there is no confirmation timestamp of this ; however no changes have been made since automatic payments were initially set up. 

Barclay 's app and website indicate " ENROLLED IN REPEAT PAYMENTS ''. The problem is, Barclay doesn't let you know the first automatic payment does not work. This lead to me incurring a late fee on XX/XX/XXXX. Upon notification of the late fee, I immediately called Barclay to make a payment and ask for the late fee to be removed and reimbursed so this would not impact my credit. On XX/XX/XXXX I received an interest charge fee associated with the previous late payment - which I was told I would not incur. The customer service rep was happy to reverse this charge and today I receive reimbursement for the full amount. 


Barclay 's handling of automatic payments is predatory and misleading. While customer service was quickly able to reverse the fees, I should not have to spend hours of my time on hold and speaking to them about these charges which should not occur.

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 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I pay my mortgage through autopay with my bank. The payment is sent out a day in advance each month. In XXXX, 2018 my mortgage payment was sent to Amerihome and received. On that same day, the company reversed the transaction and, instead of posting the payment to my account, sent the money somewhere else. I have spoken to multiple customer service representatives on multiple dates. They have all told me that there is an internal problem, not to worry, and they would fix it. I was told, multiple times, another department would have to review my account, but it should be fixed shortly. I received an email about a month after my last phone conversation that said they had refunded my payment, and I was a month behind on payments. I have reviewed my account statements many times, I have called my bank, and I can not find any refund of my payment. At this point {$1400.00} has been stollen from me. Please help me to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo carried our mortgage for four years, or 48 payment cycles. During one of  those, we experienced an issue with our checking account being hacked, and it happened to be the one our mortgage came out of automatically, making the payment late ONE TIME. 

We cleared the issue up by phone with Wells Fargo and got everything back on track, but my credit report STILL shows that one blip, and it is damaging my 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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/19 I purchased a prepaid card from XXXX XXXX in the amount of {$500.00}. The card was defective from the manufacturer with a contaminated magnetic strip that would not work at various attempted venders. I called on XX/XX/19 requesting a replacement card and was told by XXXX XXXX # XXXX that a replacement would be received 10 business days. However, the timeframe passed and I'm getting the runaround when I contacted XXXX again and spoke with XXXX XXXX # XXXX. They are fraudulently holding my money interest free and refusing to send me a replacement in a timely manner. XXXX XXXX # = XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has me listed with a Birthdate in XXXX. I was born in XXXX. I have tried to contact Experian multiple times, even sending certified mail only to have it returned to me - I had no problems prior to this year as I just bought a car earlier last year.

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 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. 

Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. 

Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the  inconsistencies. 

Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. 

Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. 

When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. 

Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. 

Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to put a security freeze on my credit report without authorization. I called Equifax to resolve this issue today! The same person answers the phone each time. I thought this was resolve previously but it is happening again ... please with this issue! 

Thanks, Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
An alleged debt collector sent a text stating : A delivery of documents has been scheduled for XX/XX/2019 during normal business hours ( XXXX-XXXX  ) for XXXX XXXX. To Re-route or reschedule the delivery please call XXXX and provide reference # XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. You are communicating with a debt collector. 

They do not identify the name of the company. The ph # that texted me is XXXX. When I call the toll free number they state they are JPM but won't provide other information. They say their address is XXXX XXXX XXXX XXXX XXXX FL XXXX. Well that address is a high rise office building and they refused to give me suite number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When closing on mortgage with Wells Fargo, I was given the option to pay bi-monthly. I mistakenly understood this to be an 'every two week ' option which would, to my understanding, reduce my principal more rapidly over time and allow for savings. 

In fact, selecting a bi-monthly payment plan would result in a net loss to me and a net gain to the bank by allowing them to hold half of my monthly payment in advance of applying it to my loan and thus reap the 'carry '. 

It seems predatory to offer such a payment option without providing specific counsel that it ( 1 ) has no clear advantage to the payer and ( 2 ) actually can be viewed as carrying a disadvantage.

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 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery is trying to collect on a debt I don't owe, The contract Ended/Cancelled- " No Contract '' Telerecovery is reporting an inaccurate balance, past due amount, and a balance owed ( violation ) on my credit file, I never received a dunning letter, a phone call, or anything stating I owe this debt before it was reported to XXXX  , XXXX  , and XXXX, I have been sending in letters of dispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) asking for validation of this debt and a signed contract bearing my signature -- Telerecovery has FAILED to respond, I DEMAND THIS ENTIRE ACCOUNT BE DELETED IMMEDIATELY -- it is giving me a negative mark on my report and is making it hard for me to obtain credit

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX - opened on XX/XX/2018 - balance {$200.00} XXXX XXXX XXXX -- opened XX/XX/2018 -- balance {$100.00} I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( XXXX, XXXX and 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 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Regional Acquisition Group, Inc.
State: CA

Complaint narrative:
They're trying to charge me more interest rate when the car is totaled and a complete loss the collusion XX/XX/2019 Noom

Company response to consumer: Untimely response
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XXXX of XXXX i went into a Wells Fargo branch and reported my atm card lost/stolen i was then issued a new debit card. On Monday the XXXX of XXXX XXXX in unauthorized checks were deposited into my account. The card that was used was the same card reported lost on the XXXX of XXXX. Wells Fargo allowed them to withdraw funds from my account on a card that should have been closed. Now Im being given a hard time about getting my money back.

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 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a leter in the mail from Portfolio Recovery dated XX/XX/XXXX stating that they were seeking payment for an alleged credit card debt from XXXX. I have no recollection of the account. The letter states that the default date was XX/XX/XXXX. The amount of the debt is listed as {$6900.00}. The first page of the letter states, " The legal time limit ( statute of limitations ) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules require you to tell the court that the statute of limitations has exprired to prevent the creditor from obtaining a judgment ''. It goes on to say, " Even though the statute of limitations has expired you may choose to make payments ''. The letter then goes on to offer various payment options. This alleged debt has not been verified. This alleged debt is also YEARS beyond the statute of limitations. This company has a long and storied history of unethical business practices and I am seeking to have them cease all future contact with me and all efforts to make collection on this alleged debt. I am an XXXX XXXX XXXX widower on a minimal fixed income. The stress of having a collector write to me asking for thousands of dollars is unnerving and unforgiveable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXXXX/XX/

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 2019-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX Capital one bank usa -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After filling out a pre-qualification form on Kohl 's website and being told " Congratulations! You're Pre-qualified for a Kohl 's XXXX '' account I submitted an application and it was denied. They misled me and told me it was my fault when I called them to inquire. I have included the Prequalification code below and will be submitting disputes with the credit bureaus to have the inquiry removed from my report. This was a very misleading experience and I feel as though I have been lied to and abused by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In month of XX/XX/2018 i have asked for a credit line increase for CITI Double case credit card. and i got a line of increase upto {$5000.00}. i am making my payments regularly never missed a payment for my any card and today i was checking my credit report i can see 35 points down in my credit report, upon checking found that i was having 2 CARD from Citibank 1 ) is CITI XXXX card ( usage % 107 ) and 2 ) Double case card ( usage % 59 ), i made Full payment for my XXXX card and next day i see my credit line reduced for double case card from XXXX to XXXX. 
CITIBANK reduced the credit line from XXXX to XXXX Limit. Which changed the credit line usage % on my score and it decreased my points by 35 points.upon checking with Bank specialist they are mentioning we see you have revolving credit on your account and we reduced the limit on your card and we have sent notification via mail today. When bank decide to reduce some one line of credit did you discuss with customer? Did you check if the revolving credit i have as if i am not making any payments? did i came in any ones defaulter list? without checking any factor how bank can reduce some one line of credit. 

Please guide me how to convey my message to bank that this type of situation can affect someone credit score and it take ages to build score and maintain for a customer.

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 2019-04-19 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
I would like a copy of of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Recovery Solutions
State: TX

Complaint narrative:
XXXX XXXX called my job, told my co-worker that he was calling about documents. When I got on the phone, he never gave me the minimeranda. I asked him not to call me at my job. He said he didn't have to stop calling me at my job. That I would need to send that to him in writing. I told him to stop calli g me at my job. He said he was going to just put it on my cbr. 
I called him from my cell phone I asked to speak to XXXX XXXX. He never did any verification nor give the minimeranda. I asked if they had mailed me anything in writing he said yes but I was intentially avoiding it. I asked him when they had mailed me something, he said he didn't have that info but wasn't going to mail me anything else. He was rude & in both conversations I felt threatened by his tone. I asked for their address, he gave me a Texas address. I asked for their corporate office address, he said they were located in New York he didn't have it but I could call their # & they would tell me their call was legitimate.

Company response to consumer: Untimely response