vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: IL

Complaint narrative:
I called the company back and requested that they send me a letter to verify any debts. They refused to send me a letter. They have my name and address, but would not send me any information to verify a suppose debt. And to stop calling relatives and friends to try to locate me. I only want them to send me a letter, so I can verify any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I had 2 separate credit card payments due to Capital One. I paid both payments late, but before they were 30 days late. I was forced to pay the minimum amounts due, because my mother suffered a tragic death on XX/XX/XXXX, two days before my payments were due, and I was very busy making necessary arrangements for her funeral and subsequently am still handling her affairs, now. 

When I made the minimum payments due, apparently the minimum payments were {$1.00} and {$3.00} short, because additional interest accrued on the accounts 3 days after the minimum payments were due. Capital One is reporting each account 30 days late to my credit bureau. One 30 days delinquent by {$1.00} and the other account 30 days delinquent by {$3.00}. 

I received a Capital One Credit Wise alert to advise me that 2 of my accounts were 30 days delinquent and my credit score had been affected by 156 points. I was mortified. I then logged on to verify what the problem may be. When I realized the amounts of {$1.00} and {$3.00} were being reported delinquent, I thought it must have been a mistake. I called Capital One, immediately. After speaking with several reps, they were unable to locate the delinquent accounts and sent me on a wild goose chase insisting that it must be " some other credit card company reporting the delinquency because Credit Wise reports all credit card accounts. '' After spending hours calling every credit card issuer I have, I realized no other credit cards were delinquent and I called Capital One back. This is when a supervisor, the second supervisor I spoke with, advised me that yes, the two accounts were delinquent. One in the amount of {$1.00} and the other in the amount of {$3.00}. I asked if there was anything I could do to have the delinquencies removed, because it was affecting my score by 156 points. It was my first 30 days delinquency, ever. They said " no. '' Just " no, '' and refused to assist me in any way. I hung up and called back only to receive the same answer. I spent considerable time making 5 calls into Capital One, and the representatives were condescending and obnoxious. I have since paid the {$1.00} and {$3.00} oversight, but they refuse to correct the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: VA

Complaint narrative:
Medial treatment done XX/XX/XXXX and Hospital claims I had no medical insurance. Went to Urgent care earlier that same day and that claim was processed XX/XX/XXXX per Urgent care office. I received a letter from AR Resources showing debt went to collection. Did not received letter from Original creditor, who was XXXX XXXX XXXX XXXX, XXXX. AR Resources placed collection on credit XX/XX/XXXX for {$710.00} and {$51.00} separately. the {$51.00} debt was paid through Insurance claim XX/XX/XXXX. The {$710.00} was paid per Healthare provider. The original creditor never processed claim, stating I had no Insurance and per new rules on Medical debt, must be 6 month prior to sending to collections. Collections placed XX/XX/XXXX. I've disputed this in XX/XX/XXXX. XXXX has also stated per phone call that it was procedded through claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: GA

Complaint narrative:
I had originally reported this problem CFPB # XXXX. XXXX XXXX decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX I did a online money transfer through Wells Fargo app with XXXX of {$560.00} I put in one wrong dight so the money was transferred to a person I dont even know and didnt notice after Tuesday XX/XX/XXXX I called Wells Fargo and let them know about my mistake they told me to give them 10 business days so they would solve the problem through the period of time I kept on checking the status of the claim and they told me if by the 10th business day the money was not refunded they would credit it back until they solved the problem I waited and nothing happened so I called them again and they told me they were no longer able to help me because it was my mistake then I spoke to a head supervisor '' and he told me they couldnt help me that they had spoken to the person the money was transferred to and the person declined to sent it back so I had to get a hold of the person I explained to him that i had already tried to get a hold of the person but they wouldnt answer or respond so he said that then I had to deal with the person, right after hanging up with him I went to my local bank and explained the situation the banker called the claim department to see what they had done and they told him once the money is sent nothing could be done and that they could not contact the person the money was sent to so this means the supervisor lied to me when he said they had contacted the person and that they had declined to refund the money so the banker again told me they couldnt do anything either. So this means I just lost {$560.00} to a person I have no idea who it is and the bank was no help!!

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 2018-06-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: TX

Complaint narrative:
My consumer report has inquiries made by online payday loan places that I have never gotten in touch with. They have my social security number and it was not by me. It's fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: WA

Complaint narrative:
My name is XXXX XXXX. I have sent several Goodwill adjustment  letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thruXX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.

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 2018-06-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXXthru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have contacted Kohl 's and the credit bureaus regarding the reporting of my accounts. When I last retrieved my credit report, I noticed that Kohl 's last reported my payment history in XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my XXXX  report and XX/XX/XXXX on my  XXXX  report. I reached out to Kohl 's and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Kohl 's. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I opened a cd with Barclaysus on XX/XX/XXXX and funded it with {$100.00} on XX/XX/XXXX. After the funding I had several issues accessing my account but did not really care since I had confirmation the account was set up and I was getting monthly notifications. I tried to sign in again today and could not log on. I called them and confirmed all of my information. They transferred me to their security team who told me the account was under investigation as fraudulent. She said they closed the account in XX/XX/XXXX and refunded my money. She also said Barclays spoke to me in XX/XX/XXXX and explained that I was scammed. She said the money was refunded to the account it came from. I received no call from Barclays in XX/XX/XXXX and they never refunded the {$100.00} to my bank account. I want my money back and if I was indeed a victim of identity theft, it seems like Im entitled to notification of that in writing.

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 2018-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I submitted/initiated a short sale with US Bank a HELOC that is in first position 28 days ago and there has yet to be any update or progress made. I call to check on the file at least once a week so there is no excuse that this file would be overlooked.

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed. 

Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to buy a new car and our credit was ran several times buy the Car lot telling us they would only run it once! If you will see in XX/XX/2017 there are excessive car loan inquiries as well as banks. They didnt care what they did to me as hard inquiries!! Just trying to get a bank to buy the deal. This should be against the law. I want them removed! Its up to almost 38! Its unreal that they can get away with this. Please help!!

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC added a fee to my checking account without notifying me. I didn't notice the fees till about two years later. There were 21 monthly fees of {$25.00} each, totaling {$520.00}. PNC refunded me {$75.00} but notified me via phone that they couldn't refund the other {$450.00} because it " relied on the customer notifying PNC. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have contacted XXXX ' XXXX and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that XXXX XXXX XXXX   last reported my payment history in XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report. I reached out to XXXX XXXX XXXX and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with XXXX XXXX. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX   again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant. 

there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am an authorized user on this Home Depot card ; however, this account is only reflected on my XXXX report. I have contacted Home Depot and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that this account had been removed from my XXXX and XXXX  reports and only remained on my XXXX  ; however, XXXX had not  updated my payment history since XX/XX/2018. I reached out to Home Depot and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Home Depot. I would like for my payment history on this card to be added to my XXXX and XXXX reports as it once was but also updated on all 3 bureaus so that it reflects current and ok payments to date.

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