vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Have attempted twice online via Experian 's site to get items removed from my credit report that should no longer be reporting. I included the additional documentation attached however it seems Experian has no record of my dispute. My attached credit Report Number XXXX states that trade lines XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are on record until XX/XX/XXXX. These tradelines are still reported as of XX/XX/XXXX which is past the FCRA statute of limitations. See attached screenshots which hilghlight the tradeline " On Record Until '' date. Please remove these tradelines immediately. In addition Experian stated my dispute of my Affirm account status of account XXXX was confirmed correct ; however this is impossible as the account has been paid off since XX/XX/XXXX. I seems that Experian is not truly investigating credit report disputes or Affirm is not properly reporting ; both of which is a violation of the Fair Credit Reporting Act.

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 2020-02-04 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: DISCOVER BANK
State: NC

Complaint narrative:
Account was disputed as fraud. Discover Financial Services then closed the account. Account is still reporting on credit report as closed. Which it should be removed entirely as this account is not mine. Also on the previous investigation in reference to this account I never received any correspondence or resolution in writing that this account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a problem with XXXX. I was recently denied a HELOC loan based on my XXXX   score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The XXXX  representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of XXXX, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC
State: ND

Complaint narrative:
I received a call today that a payday loan was taken out in XX/XX/2015 and they are suing for payment..they said XXXX Montana where I live and I dont they said store number XXXX they dont know where its at .. lady was calling from XXXX Texas.. for information how to serve me they gave an account number XXXX QCHoldings never heard from them ever Phone number they call from XXXX she said they need to hurry up and sue because time runs out Shes been trying to use a bank account that is not correct to take money out of

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 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a complaint about Wells Fargo to your company during this process due to there misconduct. I want to Thank You, your company is amazing and the problem I submitted was remedied thanks to CFPB. 
On XX/XX/XXXX I opened a short sale contract in order to avoid foreclosure. My agent is very experienced and successful in short sales and dealing with different lending companies.We have had nothing but trouble with this company now going on the 6th month of trying to work with them. The one point of contact who we unfortunately have to work with supposedly ordered the appraisal XX/XX/XXXX. My agent was to be the point of contact in order to let appraiser into the home which typically can take 7-10 business days. We didn't hear from anyone until XX/XX/XXXX The appraisal was done on XX/XX/XXXX the appraiser told my agent that he was the only appraiser for Wells Fargo in a 400 mile radius and that he had 22 assignments to do that day. This concerned my agent due to her past occupation being Real Estate Appraiser and knowing the time and detailed work an appraisal takes. The appraisal on the property came back very high for the condition the home is in. My agent then appealed the appraisal and supplied pictures and estimates of work to be done to support the lessor value on XX/XX/XXXX. XX/XX/XXXX the point of contact called me to let me know that our appeal to value was denied. They gave no reason for this conclusion. In the 6 months of trying to work with Wells Fargo Loss Mitigation I have been Denied a short sale until my agent appealed that under the PFS procedure under the HUD guidelines. Then we appealed the market value and have been denied. Wells Fargo and the employees in the loss mitigation department do not follow the Required HUD guidelines nor do they try to help homeowners under the Homeowners Bill of Rights.

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 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Check n Go in regards of a Financial hardship and family emergency and I told them l could not pay payday loan for XXXX. 
Also, l wasn't aware of the high interest rate over 40 % and {$300.00} charge on a borrow {$200.00} dollars. 

Check n Go debited my XXXX  XXXX XXXX account ending # XXXX and my account is overdrawn around $ XXXX.and bank charged {$35.00} fees. 
I am respectfully XXXX XXXX and XXXX and on fixed XXXX income. 

Address of Check N Go XXXX XXXX XXXX XXXX California XXXX XXXX www.checkngo.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is in regards to a XXXX thank you point offer that has not been paid out as promised and confirmed by CitiBank for opening a new checking account and satisfying all requirements. I received an email with the terms. I opened the account, met the requirements ( per a XX/XX/XXXX chat to confirm ) and was explicitly told to " expect for the ThankYou points no later than XX/XX/XXXX. '' Fast forward to XX/XX/XXXX and no points posted as promised. I again go to live chat and am told " it should have posted last XX/XX/XXXX. '' I'm given the following reference number ( reference number XXXX XXXX XXXX XXXX XXXX XXXX ) as they had to create a case to ensure I received the points. Told I would receive an email within 2 business days. Again, nothing happens. No communication, no bonus. 


On XX/XX/XXXX I was told that on XXXX I received an email about the bonus. I never did, neither in my inbox nor spam. I was told I would receive my bonus " on the next cycle. '' I push for a specific date by which I will have the bonus points. I'm told XX/XX/XXXX even though my next statement would cut on XX/XX/XXXX. The rep states they submitted notes on this. Also told within 2 business days Id be notified. Of course, nothing happens on either front. 


So fast forward to XXXX and now, after the next statement cycle came and went, Im told via chat messenger ( that I had to initiate ) that on XX/XX/XXXX I was credited the XXXX points! At this point Im just dumbfounded. 

Wanting further information I opted to wait until a weekday and on XX/XX/XXXX I contacted chat once more, and again this time I was credited with XXXX ThankYou points on XX/XX/XXXX for meeting the required terms and conditions of Promotion XXXX. Not only is this patently false, it goes against what other representatives have stated. 


Ive exhausted all reasonable expectations for remedying this issue and would greatly appreciate if you could step in and help facilitate this matter. I'll refrain from attaching any emailed promotional material because they aren't disputing that I met the requirements. The dispute is whether or not the points were issued.

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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I issued a check from my community bank, XXXX XXXX, to XXXX XXXX, check number XXXX in the amount of {$55.00}. XXXX  is a fairly new community bank and I have heard that some of the larger banks, namely XXXX and Bank of America were not recognizing their payments or checks. In this case, XXXX called me to tell me that Bank of America rejected my check payment. I verified that my account had sufficient funds, in this case, many multiples over the amount of my check and then with XXXX  that the check was not presented for payment. It is clear that Bank of America 's antiquated systems are not being updated for newer community banks and they mistakenly rejected my payment. They caused me unnecessary time and embarrassment by rejecting my check payment to my vendor.

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 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received your letter regarding the dispute I have with XXXX XXXX, which states they confirmed that I owe a balance of {$300.00} in which I am still disputing. They seem to have this as an open account which is not true so you have been given information under false pretense. When my contract with them ended I immediately went with another provider. I returned their equipment and paid what I owed ( so I thought ). Months later I began receiving a bill. I called several times regarding the bill and asked for a print out to show my payment history. I was told every time I called one would be provided. It never was. Now it would appear to me if Im asking for a print out to show proof that I owe this amount why cant the information be provided? 
This account has been closed for years, however, you stated your investigation is complete and the information was true as given to you so I am asking you to please share with me the documented proof that I owe this amount and I dont have a problem paying even though my experience with the was not a pleasant one. If this evidence would have been provided at the time requested this situation would have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-02-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
On XX/XX/XXXX I received a solicitation for Freedom Debt Relief, XXXX XXXX who represented himself as a loan officer for the company. After several very long phones calls on how the program worked and after I asked all the right questions, specifically if I would have to pay taxes on the forgiven debt, I decided to proceed with the company. Then I realized that I had been lied to and the program misrepresented to me only after I was too deep into the program to get out. Here are the misrepresentations Mr. XXXX told me. 

1 ) Would I have to pay taxes on the forgiven debt? I asked this question numerous times.

His response - " I have been doing this for 15 years and no one has ever gotten a 1099 for forgiven debt. He even told me that if anyone at the company or in the welcome call says I may have to, to just ignore it as that is just basic info they have to say and that it is not correct. You will not receive 1099s '' 2 ) Will my accounts go into collection? His response " no, we will have your accounts settles in 2 months, if you get a collection notice let me know and I can stop it ''.

3 ) How long does it take to settle the debt? his response " 2-3 months '' All three " recorded ''  responses are misrepresentations of the program and now I have $ 30K plus in unexpected 1099C income. 

When I I got a collection notice on XXXX XXXX I emailed it to Mr. XXXX and he responded " everything is in working order, all that will be removed, there is no need to worry ''. The only response I got was from their customer service department that said they can't do anything about it. 

When I gave the company a poor rating on their survey I got a call from and email from XXXX XXXX in their consumer affairs department on XX/XX/XXXX. I described what happened and she said she would listen to the recorded conversations. She called me back a few days later and said the conversations that I said had happened were confirmed and that she had called and talked to Mr. XXXX XXXX Manager about the misrepresentation. But that was it. When I got the unexpected 1099C last month I emailed Mr. XXXX and copied Ms. XXXX only to find out that Mr. XXXX no longer works there and Ms. XXXX never responded to my email. I have asked for the name of the president of the company several times with no response. 

Unfortunately it is what it is, I have to pay taxes on that forgiven debt but at the very least they should refund me the over {$11000.00} in fees I paid, which I requested in my email that failed to receive a response. I am an intelligent woman and I know I asked all the right questions, but when a company representative out right lies to you what are you suppose to do with that information? 

I respectfully ask that you research and investigate this company and it's practices. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

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 non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Unauthorized withdrawls XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Did credit my account and then took the money back When i tried to calling to resolve. Banker just hung up the phone and was given a email to contact some which is not exist XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-02-04 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: CA

Complaint narrative:
I checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

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