vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My account was in great standing, bills paid on time. I had a disputed charge on my account from a company called ( XXXX XXXX ) which was billed to my Barclays Visa card ( 1 ) First the company did not send me all the goods I paid for. ( 2 ) Second I sent back what was received The company ( XXXX XXXX ) was advised the good would be returned. Barclays refuse to credit my account for the charges even though the XXXX receipt were sent to them where the company received and accepted the merchandise I refuse to pay that part of my bill and asked Barclays not to charge me interest on the disputed amount. Barclays continues to charge me interest AND have now Reported my account to all the Credit Bureau as being late, which have made my Credit Score dropped significantly. 
I need them to remove the false statements from my credit report and credit my account for the merchandise that was returned and accepted by ORIGINAL SIN Company. 
Thank you Mrs 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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Disclosure information and fee are different then final documents received. Even have a miscellaneous fee, on the final closing document which neither mortgage company, title company or closing agent can explain after a few weeks and multiple phone calls. After closing took more than 20 business days to pay off the old loan that was refinanced. Took 3 1/2 months to process loans without any reason and lack communications during.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2018, I received a Hard inquiry from Syncb/gap for a credit card which i was denied for. However i was unaware of my credit at the time. They tried to up-sell me to save money by quickly obtaining some information from me which at the time didn't know they are checking my credit. In turn gave me a hard inquiry, that would like removed from credit report immediately.

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 2020-02-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was trying to increase my credit limit with well Fargo and again it was denied twice due to that I have a fraudulent loan closed on my credit report and I told the credit services that I didnt apply for that loan but I paid it off anyways and I place a statement on my credit report but the credit agent said he didnt see it on his end but it saids that this loan that showing on my credit report is open by unauthorized person ... I would want well Fargo increase my credit limit due to I have a high balance that Im not responsible for and I send in some documents to the reconsidering dept and Im waiting on temporary credit but I havent received it just taking too long ... .but again my credit limit was denied due to that loan I have on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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 just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-02-07 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 just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
My husband and I received a bill from Speedy Cash on XX/XX/XXXX for {$400.00} due immediately. I contacted the company to let then know they had the wrong person. They wanted me to surrender my husband 's social security number and date of birth before they would even discuss the account with me. I refused, because we did not take out the loan. They transferred me to the Fraud Department. They refused to talk to me because the loan was not in my name. 
We received a second letter dated XX/XX/XXXX. It stated that since we were claiming that we didn't open the loan, they were putting a hold on the account for 30 days. We would have to contact our local police department to file a report and then they would release the information concerning the loan. I spoke with the police department. They stated that at this point there was not enough proof that a crime had been committed, therefore they could not open an investigation. They asked me to try and get the information from Speedy Cash, then they would have information to work from. 
We received a third letter XX/XX/XXXX stating that they REQUIRE a police report and/or notarized FTC affidavit, along with a copy of my husband 's drivers license by XX/XX/XXXX or the account will be sent to collections department and activity will resume as allowed by law. 
We received a fourth letter XX/XX/XXXX, which finally gave us the account number, the amount of the loan, and that it was applied for online. We called the company, gave them my husband 's date of birth, last four of his social security, trying to resolve this issue. The person we spoke with stated that he still could not release any information until we verified more information or we have the police department call them for the release of the information. 
We did not take out this loan and require help to stop this harassment from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I was a faithful client of XXXX for 15 years as my cell phone carrier. I purchased an app through XXXX that provided a locator and parental controls. I put the app on my Daughters XXXX. I paid for the app, it never worked. I took it to the XXXX store thinking that it was an issue with the devise. I did this after several failed attempts over the phone with customer service, many calls I could not understand, because I regretfully only speak English. 
Finally, I took the device to the XXXX dealership, they kept it for days ( during all this, I am still paying for the app and the devise to be connected to the internet ) the XXXX place told me that the devise was not able to be fixed, and that they could transfer the app to a brand new XXXX that I could purchase in the store that day, and make payments through my XXXX account. A new XXXX to fix an app? I told the clerk I was leaving and would like to be compensated for all the time I paid for service and the app, and she said that will be no problem. 
This " outstanding bill '' was to be cleared up months ago. I can not understand why I am now in collections for being billed for a service I never got. When I surprisingly got a " final bill '' from XXXX ( after I left the carrier ), I wrote letters, called and on-line chatted, trying to plead my case. The ONLY response I got from them was a letter from SUNRISE CREDIT SERVICES. I called this service, they asked me to reach back out to XXXX. I did, and was disconnected by phone ( after I put my number and pin in, and my account access denied ( so I can't send them an inquiry via email ). I can not have this derogatory mark on my credit. I move too much, and is not something I need to highlight with my Command. I honestly can not ethically pay this bill, I never received this service! someone please get ahold of XXXX and review my account notes! I promise it is all in there, I tried and tried to have the do the right thing, and all they wanted to do is sell me an new XXXX, and not ensure I was getting what I PAID for. I have since moved my cellular service to 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 2020-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've contacted Experian by mail in regards to a fraud alert that I need to remove. This fraud alert was placed XXXX-18. I need this to be removed from my credit report. I have not received a letter back approving my request. I phoned in to customer service multiple times at the following number : XXXX. I am unable to talk to an agent to remove this.

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 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. 
To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. 
XXXX is still reporting the amount owed of {$2700.00}. 
XXXX is still reporting and XXXX is still reporting. 
NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX   XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I contacted the Loan Servicer XX/XX/2019 and said I was having difficulty paying my Mortgage and need to apply for assistance. I was due XXXX, XXXX & XXXX at the time and I sent in my application. I was declined and I thought from the decline letter they didn't calculate my income. So I sent in the income again and additional income ( social Security XXXXncome for My Children ). I got another decline letter so I sent an email to the escalation department. I was declined again for NPV. My Origination Loan was a Texas Section 50 ( a ) ( 6 ) and I looked up FNMA Guidelines and It says I qualify for a Fannie Mae Flex Modification for Texas 50 ( a ) 6 ) Mortgage Loans. The decline letter states 186 remaining and they could of extended the Term 360 or 480 but did not. In All 3 decline letters they did not even send a Repayment plan offer. Today I called them and they said they can only do a repayment plan if I pay 6 full payments, that would be  XXXX thru XXXX and leave the XXXX Payment due. I do not consider that a repayment plan, that is reinstating the loan. I want to keep my home and I do not think they are following guidelines to offer me a modification plan to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
1. I took out a loan with NetCredit. LACK OF TRANSPARENCY REGARDING PAYMENT ALLOCATIONS 2. Along with the loan, came an amortization schedule outlining how payments would be applied -- how much to interest and how much to principle -- for each payment, over the life of the loan. 3. I've made at least one early partial payments and one full payment ahead of the original amortization schedule. 4. I made several late payments behind the original amortization schedule. 5. On XXXX XXXX, 2020, I made a payment and was distressed to see that it did not seem to bring down the principle balance on the account. I was given a total balance that was higher than the principle balance, but when I log in to my account it only gives the principle balance. 6. I called Net Credit on XX/XX/2020, and I requested to find out how much of each of the five payments I had made so far on the account had been applied to principle and interest. The representative said she could not provide me with that information, but that she would send me a new amortization schedule by email. 7. The new amortization schedule did not arrive by email. 8. Today, I  called to follow up regarding the missing amortization schedule. I spoke with XXXX and asked for a supervisor. XXXX transferred me to XXXX. 9. XXXX   emailed me with the payment application information for the first five payments, which I received. 10. I asked to make a debit card payment and XXXX  transferred me back to XXXX, 11. On today, I made yet another payment with XXXX, which was all completely applied to interest, with no transparency about where my money was going. The allocation of the payment was this time revealed to me upon request. 12. Upon learning that there had been no principle reduction yet again, I asked XXXX for a supervisor. 13. I was disconnected. 14. XXXX called me back and transferred me to XXXX, a manager. 15. I began telling XXXX what was going on, then I was placed on hold with no warning. I disconnected the line, and XXXX has not called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a form 1099 today from Wells Fargo, they reported an amount of {$5100.00} ... I believe this amount is from a check which was not received and appears to have been intercepted by a third party, signature forged. A separate CFPB complaint number, XXXX, is currently on file in regard to loss of this check as well as amount of it which appears to have been low-balled. The offer amount, {$3700.00}, is less than what other former Wells Fargo customers received with lesser damages than myself.. The amount, {$5100.00}, includes IRS taxes which Wells Fargo reported despite no funds received.. Further, I continue to sustain damages from accounts which were not authorized and opened in my name which includes unable to open accounts with other banks. I've been denied several times and most recently, a money market account also denied opening.. A letter was sent to me from Wells Fargo stating information was recently removed from a consumer reporting agency with regard to one of the  unauthorized accounts, this was supposedly done prior, it was not. This notice was received on Monday, XXXX. I spoke with XXXX in mediation the same day, explained the offer was low-balled and consumer information was not removed prior and have been unable to open accounts due to it. Further, I explained no check was received and it appears it was intercepted by a third party, signature forged and cashed in my name..He did not seem to want to move on the matter such as offering a renegotiation or any other type of compensation due to circumstances. He denied offer amount was low-balled, information reported which I have a letter stating otherwise. Also, he said the signature on check appeared to be mine but he is not a handwriting expert, then contradicted himself saying I signed and deposited it to a Wells Fargo account which I do not have.. Since he is not a handwriting expect he could not know I signed it which I did not and deposit it into any account.. The last account with Wells Fargo or any other bank was closed in XXXX or XXXX, I believe. I've been using a pre-paid account since and the deposit amount limit is $ XXXX..Needless to say, I could not have deposited the amount, {$5100.00}. Since XXXX appeared to be unwilling to move, I am circling back with the CFPB here and request Wells Fargo remove information reported to IRS on this 1099. I have field my XXXX taxes and will more than likely get a notice back from IRS stating there is an error due to this information..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citi Diamond Preferred credit card that was part of a payment program. Before the balance was paid off, we were able to use other funds to pay off the balance and terminate the payment program. Citi Bank was paid with a check from a California licensed escrow company. The check they received was in excess of my current balance. They received this check on XX/XX/2020. When I called them on XX/XX/2020 they confirmed my credit balance of {$72.00}. When I requested they send me a refund check they responded that I had to wait two weeks. They were paid by an escrow check so there is no reason to wait to see if the check was good. It was not my personal check or a cashier 's check. While this may be perfectly legal, I feel it's UNETHICAL for them to hold onto my funds for two weeks for no reason. I spoke to a supervisor when I called and he took down all the information and told me to call back in two days. When I called back I got the same response that I had to wait two weeks for payment. I told them if they were not going to request my refund check that day I was going to file a complaint with the CFPB. So this is my formal complaint.

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 2020-02-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account.

-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

7. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

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 2020-02-08 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: CA

Complaint narrative:
EXPERIAN displays XXXX XXXX, account no.XXXX wrongfully according to CALIFORNIA LAW.The account is for furniture financing.The furniture was defective and proceeded to fall apart under normal wear and tear.I explained the damage and said I wished to return the merchandise, per contract terms.California 's implied warranty laws were violated and Tempo refused to accept return of the merchandise without charge. 
They offered to settle for XXXX dollars.Since they wouldn't accept the return, I realized they were only trying to extort another {$100.00} with the use of my credit report as leverage. 
SEE ATTACHED LETTER/CONTRACT FROM XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation