vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, I arrived in the branch to open a business credit card account. I initiated the process online for a Wells Fargo Business Platinum Credit Card with a " New customer offer : Get a one-time {$500.00} cash back bonus or XXXX bonus points when you enroll in the Business Card Rewards Program and spend {$3000.00} in the first three months of account open date ; {$0.00} annual rewards fee ''. This was shared with the banker to assist. The card application was approved and mailed around XXXX XX/XX/XXXX. I have had several inquiries to Wells Fargo regarding the payout of this offer. Including XXXX XXXX and XXXX XX/XX/XXXX. I even went to the bank where the branch manager assisted calling cardmember services to investigate and resolve the error in payment. The latest communication I have received is " Our records do not reflect a promotional bonus offer for this account. " I am quite upset that I fulfilled my obligation and Wells Fargo has not yet lived up to their promise for the promotional terms.

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 2019-03-08 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: AL

Complaint narrative:
I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.

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 2019-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mailXX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.

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 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2019, I deposited a CASHIERS check ( certified funds ) into my account from my federal refund from XXXX XXXX XXXX. The funds were immediately placed on hold. I have been contacting Wells Fargo bank on several occasions trying to find out why and if they could release the funds. I was advised by them that the other bank could possibly debit the funds back. I contacted the other bank and was told that the funds was verified and cleared on XX/XX/XXXX. Ive contacted Wells Fargo bank on several occasions letting them know that they are holding the funds with no probable cause at this point and they still refuse to release the funds. I am a mother of three kids whom account is currently in the negative because I had made post dated check arrangements on my account, I have no money, they said that they wouldnt even void the check for me to have another reissued. The last representative I talked to in the executive office by the name of XXXX said that it could take 24-48 hours for me to speak with a supervisor and that is totally unethical and humane.

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 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc

Complaint narrative:
I bought a tool called XXXX XXXX XXXX, where this tool promised to manipulate XXXX and position your videos in the first positions of XXXX. 

I made the payment of {$97.00} in this tool and used it for two days, and the tool did not do the results it promised, it still caused me harmful damage to my XXXX  channel. 

I went to ask for the money back by paypal, I still lost the dispute and the seller, laughed my face and canceled the remaining 22 days that I had paid. 

Then you can see that it's a seller that we can not trust. 

Stay alert with XXXX from XXXX XXXX, he does not deliver on what he promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and DeptofEd/XXXX. I have reached out to the FTC and my local police department.

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 2019-03-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX  XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: NV

Complaint narrative:
Equifax Company fails on many levels. The reasons are stated below : Supervisor of Equifax XXXX XXXX states " Equifax often misrepesents information ''. XX/XX/XXXX Supervisor XXXX XXXX VERBALLY confirmed the dispute I filed has been resolved and cleared. 

Extremely poor customer service at many levels by several agents prior to finally speaking with Mr. XXXX who failed as well. 

Refusal by Equifax to send written confirmation of a confirmed dispute clearance by XXXX XXXX on XX/XX/XXXX. An email confirmation had been sent by Equifax with a confirmation number which confirmed I could verify my results. In fact this was false which led me to contact a customer service agent in the first place. 

Refusal of Equifax to send requested credit report by email or mail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Innovis
State: GA

Complaint narrative:
To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

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 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
THE PRE-FILLED OPTIONS DID NOT APPLY TO MY COMPLAINT I SELECTED THEM TO GET TO THIS PORTION SO I CAN EXPLAIN WHAT IS GOING ON I CALLED WAYPOINT TO DISCUSS A OLD XXXX ACCOUNT THAT I SHOWED ON MY CREDIT I ADVISED I WOULD PAY IT IN FULL AND REQUESTED A LETTER STATING THEY WOULD REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT THEY ADVISED THEY COULD NOT DO THIS WITHOUT XXXX CONSENT AND STATED THEY COULD ONLY PROVIDE A LETTER STATING THE BALANCE WAS PAID IN FULL I THEN CALLED XXXX DIRECTLY THEIR CUSTOMER SERVICE DEPARTMENT ADVISED THEY COULD NOT GIVE ME THE LETTER SINCE I WAS CALLING IN I COULD HOWEVER GO TO A XXXX STORE SPEAK TO A MANAGE PAY THE FULL BALANCE WITH THEM AND GET THE LETTER I WENT TO THE XXXX STORE ON XX/XX/2019 PAID THE FULL BALANCE AND RECEIVED A LETTER STATING XXXX AGREES TO REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT I CALLED WAYPOINT THEY REQUESTED I EMAIL THE LETTER SO I DID THEY REFUSED TO DELETE THE ACCOUNT ALTHOUGH I HAVE THE LETTER FROM XXXX STATING IT WOULD BE REMOVED AND DELETED AS THEY REQUESTED THEY ARE REFUSING SAYING THEY WILL ONLY GIVE ME A LETTER ADVISING THE ACCOUNT WAS PAID IN FULL BUT BEFORE THEY SAID THEY COULD ONLY REMOVE AND DELETE THE ACCOUNT WITH XXXX PERMISSION WHICH I OBTAINED NOW THEY WONT ANSWER THE PHONE WHEN I CALL AND I NEED THE DELETION LETTER TO PROVIDE TO THE CREDIT BUREAUS I HAVE ATTACHED THE LETTER FOR REVIEW AND I CURRENTLY HAVE THE PHYSICAL LETTER AS WELL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CA

Complaint narrative:
See attached account detail : US DEPARTMENT OF EDUCATION This account being reported by Equifax is a COLLECTION ACCOUNT. 
PER FCRA GUIDELINES, A COLLECTION ACCOUNT CAN NOT REPORT A MONTHLY PAYMENT HISTORY. 

Account is also reporting as an INSTALLMENT LOAN and states SINGLE PMT LOAN This account is not an INSTALLMENT LOAN. 

Equifax last report on XX/XX/2018 showing account as 120 day late in XX/XX/2018 ACCOUNT WAS PAID IN FULL ON XX/XX/2018, AND FAILS TO REFLECT THAT ANYWHERE. PER FCRA GUIDELINES, MONTHLY REPORTING ON A COLLECTION ACCOUNT IS A VIOLATION. 

I have disputed these facts with Equifax and to this date, they have not corrected/deleted disputed information. 

Equifax states that Dept of Education has verified information reporting. However, Equifax is violating the FCRA by reporting an account as both a collection account AND also an installment loan. A " method of verification '' request was given and was never responded to. 

SEE ATTACHED EQUIFAX REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
On around XX/XX/XXXX Prestige Financial Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
Prestige administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that Prestige Financial Services contacted XXXX  and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on XXXX.. 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and Retired.I am a US XXXX Honorable Military Veteran.

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 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
On Tuesday, XXXX XXXX at XXXX XXXX ( PST ) I spoke with representatives from XXXX XXXX XXXX at New American Funding. I called to make a payment in full for the month of XXXX for the amount of XXXX. New American Funding Refused to receive my payment in full. 

I started the process of Loan Modification in XXXX of XXXX. I was out of work for XXXX and XXXX of XXXX and had fallen behind on my payments. In XXXX of XXXX, I started making payments again, but could not catch up. It was only in XXXX that they informed me of the Loan Modification process.My application for Loan modification was completed on XX/XX/XXXX. The application is still being reviewed with the underwriter. 

I had scheduled a payment to be drafted for my account on XX/XX/XXXX, on XX/XX/XXXX. I informed the agent that I was anticipating a tax refund and would it be ok if I called before the XXXX to make an additional payment. The agent scheduled the XX/XX/XXXX payment and told me I could call whenever to make the additional payment. 

When I phoned on XX/XX/XXXX, to make an additional payment in full they refused to accept and said they could only accept {$4000.00}. I told them I was less than 90 days behind and they had to accept a payment in full, they still refused and said they were following investment guidelines. 

I understand that they misrepresented guidelines and refused a payment in full, which has created great hardship for me.I am a single mother of XXXX and I am the sole source of income for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I did not see a option for my complaint. There should be one for re aging old depts. Thats what portfolio recovery is illegally doing to me. My original dept with XXXX XXXX is well over 7 years but portfolio illegally re aged it to the year XXXX. They sent me a letter XXXX and i looked on my credit report and seen they illegally re aged the dept to XXXX. This is a clear violation of the ftc. I reported this to them but they dont care it seems I am just a XXXX citizen they feel they can prey on. Also my last 4 digits of my social security are XXXX. I could not enter it in the next step for some reason. Thank you for everything. God bless America

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: SC

Complaint narrative:
Every week on Thursday, I receive approximately 2-4 calls from XXXX XXXX   XXXX. I have told them three times I am not who they are looking for and don't know how they have received my number. They claimed all three times that they have submitted a form into their system, stating the number is not the correct number. When they call, it is while I am in the middle of a shift at work, and I now have to silence my cell phone to ensure I don't get into any trouble with my employer. This affects me because if my fiance has a medical emergency or something happens to one of my family members, I am unable to hear the call.

Company response to consumer: Closed with non-monetary relief