vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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 was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX XXXX opened XX/XX/2016 balance {$1000.00} XXXX   XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX   inquiry 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 non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  and transunion are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see transunion and XXXX are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine.

These agencies must be held accountable. I expect the CFPB to do so.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax and XXXX are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see XXXX and equifax are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine. 

These agencies must be held accountable. I expect the CFPB to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I opened a " Simple Business Checking '' account under a promotion. The promotion 's terms are attached. 

I met all the terms of eligibility. I was not on that date a current holder of a Wells Fargo Business Checking account, I did not work for Wells Fargo, and I had not received a business bonus in the prior 12 months. 

Furthermore, I met the qualifications for the bonus by : 1 ) Creating my account on XX/XX/2018. 
2 ) Funded the account with {$25.00} on XX/XX/18 3 ) Deposited {$2000.00} on XX/XX/18 4 )  Completed 8 qualifying transactions within the 60 day period. 5 of these transactions were ACH credits, one was an ACH debit, and two were mobile deposits. ( The minimum is 5 qualifying transactions ). A csv of these transactions is attached.

5 ) The balance in my account on day 60 was {$2900.00}, well in excess of the {$2000.00} requirement. 


Wells Fargo sent me a letter contending I did not meet the minimum debit card purchases and/or payments ( also attached ) within the number of days specific. These documents clearly show otherwise. 

I want to emphasize that while the terms disqualify ACH transactions from counting as " debit transactions '', they also explicitly state that ACH credits are " qualifying transactions '' nonetheless. The exact wording is as follows : Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60 : Debit card purchases/payments ACH ( Automated Clearing House ) credits and debits Checks paid from your new account ( deposited and cashed ) Mobile deposits Wires ( credits and debits ) Wells Fargo Business Bill Pay or Direct Pay

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 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2019 I went into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I had several XXXX savings bonds to cash out on. The bank did not seem very experienced with these bonds, and they had two different people working on them. It has been over a month, and they just took out XXXX from my account due to a processing error. I'm not sure what happened, but they failed to account for my {$1000.00} bond. In place of the image for that bond on their system, is a {$200.00} bond. I fear that the person that handled the XXXX bond did not process it correctly or image it. I received these for my daughter when my husband died, and I do know that I had one for {$1000.00} because I had just checked the value of all of my bonds before walking into the store. My daughter and I each had one {$1000.00} bond. We could not process hers that day, but we did process mine and I no longer have it in my possession. I believe something happened due to the number of people that were assisting. One processed them correctly, and the other one did not. 

I have two different receipts for this transaction and both show the following : 4 - {$100.00} bonds cashed out at XXXX each 1 - {$200.00} bond cashed out at XXXX 1 - XXXX bond cashed out XXXX Wells Fargo accidentally imaged a {$200.00} bond in the transaction for the {$1000.00} bond and making a claim that I never had the {$1000.00} bond. It is not true. One of the two people there processing these did their part incorrectly. I am not the kind of person that would allow a big mistake like this. I certainly would have known if they over valued a bond. I walked in there knowing exactly how much I would receive because I had just looked them up online.

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 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a text from Bank of America asking to reply yes or no to me making any of three transactions. I replied no and called the bank. Told customer service I did not make any transaction for {$1300.00}. Was told the transaction was declined. But on the following day I checked my account and the money was withdrawn leaving my account overdrawn. The money was eventually given back to me. But when I tried using my card onXX/XX/2019the bank took the money back again leaving my account overdrawn.

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 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. US DEPT OF ED/XXXX/XXXX # XXXX, U S DEPT OF EDXXXX # XXXX, U S DEPT OF EDXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has sent me several general form letters in regard to opening of unauthorized accounts and resolution of fees charged to these accounts, the letters want to know if I am satisfied with resolution.. The resolution includes a refund check in the amount of XXXX. This is the only refund I received, which does not cover total fees charged including overdraft fees.. This refund was made as part of Wells Fargo Settlement which again, is only a small portion of fees charged to unauthorized accounts which I believe include a total of two or three. The fees run into the hundreds I believe, however, I do not have an exact total as the accounts are all now closed and do not have access to them. I request a refund of total fees charged to these accounts which were not authorized. Failing that, I request Wells Fargo to cease sending these letters asking if I am satisfied with resolution as I am clearly not.

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 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
This company is attempting to collect debt that is not due from an old landlord. I am filing a complaint against the landlord company, and have emails to show several inconsistencies in misappropriations of funds within my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: TX

Complaint narrative:
I have Fraud Alert on all 3 credit bureau. On XXXX XXXX  2019 I received an emil that 2 collection accounts were added by XXXX XXXX XXXX ( XXXX  ).

I contacted XXXX   several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report showing 2 collections from XXXX.

I then contacted the original creditor XXXX XXXX XXXX XXXX XXXX XXXX ' ( XXXX XXXX XXXX XXXX XXXX XXXX ), talk to them several times but each time they told me that they do not have any accounts in their system under my name of SSN.

I've just found out that XXXX has hundreds of similar complaints The XXXX has given XXXX a rating of F. They have damaged my credit, caused me severe headache and emotional distress. I will take them to Small Claims Court for damages.

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 2019-04-01 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: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Emerald AR Systems I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement with a XXXX dollar balance. I sent a secondary letter requesting this information be deleted in XX/XX/XXXX and have not received a response in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. 

If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION
State: CT

Complaint narrative:
I initiated a money transfer with Xoom specific instructions for the funds to be sent to the recipient in USD.When the transfer was instead sent in XXXX, I requested of Xoom a full refund of the value of the money transfer of $ XXXX.According to Xoom 's written user agreement a customer is entitled to a full refund in cases of error where the transfer is not done according to the sender 's instructions. 



I received a written response from Xoom acknowledging the error but then only offering me a refund of the {$7.00} money transfer fee.This is inadequate according to Xoom 's refund policy which states a customer is to receive a full refund in cases of error where the money transfer is not sent according the the sender 's instructions.I have included Xoom 's user agreement regarding refunds. 



Please help me get my money back. 



Thank you 14. Refunds To request a refund, please click here for Customer Service. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a Recipients account. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds or mobile reload have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Over the course of XX/XX/XXXX, I have directed two seperate over payment s on student loan accounts handled through Navient. One payment was made on XX/XX/XXXX, and the other on XX/XX/XXXX. 

Payment Confirmation # : XXXX Amount : {$400.00} Scheduled for : XX/XX/XXXX Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/XXXX I recieved confirmation emails confirming the payments have posted, and can see the funds have been removed from my bank account. However, these payments are not reflected on my navient account at all. The Navient website states the information is up to date on the for the day the information is accessed, and that it my take up to two days for payments to reflect on the account. It is now XX/XX/XXXX, XXXX payments are not reflected, and the one of the payments is almost a month old. I would call navient, however my work hours make it difficult to find time as I work a lot of overtime, and they have failed to provide an email address or other contact method. I would like to know why my payments have not been reflected on my student loan accounts and weather or not further interest has built up as a result. I am a current student and do not currently have monthly payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Synergetic Communication Inc
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Synergistic Communication Inc I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to Synergistic Communication Inc, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement claiming it was a valid dispute and provided documentation, I sent a response letterXX/XX/XXXX disputing the information and bringing to the attention of the dispute personal the signature on the provided paperwork is not mine and provided reference to the chain of documentation that has been certified an notarized in correspondence to this matter to prove this claim. I requested they remove the information from my credit report and report this to all three major bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have been trying to short sale my house for nearly two years now, the most recent has been submitting yet the documents all over again in XXXX of this year. Previously in XXXX of XXXX and beginning of XXXX I believe, first time was around XXXX of XXXX. I keep getting the runaround, I have a buyer his offer was accepted and we've ( my realtor and I ) have been trying to get this EHLP Loan/Lien paid by Carrington since they will not release it. I and my realtor have submitted everything they've asked for, and I get a letter stating my short sale was denied because I did not submit the documents needed, they don't list the document or documents just that I didn't provide it. I am sick of the back and forth and lack of communication from the short sale department. Now I'm getting phonecalls non-stop, between the hours of XXXX - XXXX by the way, I live on the West Coast the property is on the East Coast, that is still before XXXX, why is Carrington calling at these times? Unprofessional is just one of the adjectives to describe what dealing with Carrington has been like, I just want to get the short sale done and avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a dispute to have the current status updated on my XXXX XXXX  XXXX LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: LA

Complaint narrative:
After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.

Company response to consumer: Closed with explanation