vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX ( XX/XX/XXXX to be exact ), my partner and I decided to merge our cell phone plans into a family plan. She was a XXXX customer and I was an XXXX XXXX XXXX customer. We decided to go with XXXX for our new family plan meaning that I would be cancelling my XXXX XXXX XXXX account. I called XXXX XXXX XXXX customer service notifying my intention to do so, and the agent that I spoke with notified me that my account was fully paid up, and since I was only a few days into my billing cycle I would owe a prorated amount ( amounting to $ XXXX- {$15.00} ). My account was cancelled and I was now on a XXXX family cell phone plan. Fast forward to XX/XX/XXXX, when I received a {$100.00} charge on my credit card from XXXX XXXX XXXX. I called them to ask what the charge was for, and because my account was cancelled they were unable to look me up in their " system '', and I was transferred from one to department to another. I spent four hours on the phone ( mostly on hold ) and was transferred to five different departments. Not one of them was able to tell me what the charge was for. So I contacted my credit card company and disputed the charge. XXXX XXXX XXXX 's answer to the dispute that it was for an unpaid part of my cell phone bill without providing details as to when and what. I told them that I had automatic billing set up on my account, so it was always paid in full, and there should not have been any unpaid charges and that this was not what their customer service agent had communicated to me back in XX/XX/XXXX when I cancelled it. They still were unable to tell me what the bill was for beyond " unpaid balance ''. They were unable to provide a complete history of monthly invoices with corresponding payments so that I could see where this mysterious balance had come from ( and since I had cancelled my account I was no longer able to access my online account to do so ). Since they were unable to plausibly show me what I owed them this {$100.00} balance for, I refused to settle with them and my credit card provider ( XXXX ) blocked them from making any future charges. Following this XXXX XXXX XXXX sent this to a debt collector, which is why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that American Express is reporting not them, but when ask American Express tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is American Express reporting late payments to the bureau and I have paid my balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: ID

Complaint narrative:
Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. 


Im so upset! Can you give me some advice? 
Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! 
My credit score WAS very good. Now I cant purchase my next home until this gets fixed. 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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in direr need of your company 's help. I had a few things on my credit file that I had questions about so I did my due diligence and disputed some things listed incorrectly. I thought everything was resolved until I went to a lender to purchase a home and they tried to pull my credit file and Equifax would not release my information. I contacted Equifax directly to find out why and I was told the information they have was different. They have my date of birth as XX/XX/1946 at one point they had it at XX/XX/1946, They have my name wrong and they have my address wrong. The frustrating part is that when I first started the process Equifax had certain documentation they required before they would do any type of investigation. The documenation they wanted was to prove my identity and my address. I sent them my driver 's license which reflects my correct date of birth, name and address. I also sent them a copy of my utility statement that also has the correct address. I mean really the utility company is the one servicing the address they would have the correct address for service. With that information in Equifax 's possession why wouldn't that information have been corrected? Now it's hindering my ability to make a move and this is absolutely maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a voicemail from a man named XXXX stating I had a judgement against me with a law firm called XXXX XXXX XXXX XXXX XXXX. He called from a private number. He stated before he signed off on it that I could call them & get additional info. The phone number he left was XXXX & he stated to reference case # XXXX. I called the number, a woman answered & said, " Corporate Office ''. I gave her the case # & she asked for the last 4 digits of my SSN. I asked if I could give her something else & she immediately went off on a tangent about how the last 4 won't give her the 1st 5 digits & that she was looking at my credit report & had my employer name & drivers license number. I asked her what the drivers license number was & she gave me the correct #. So I gave her the last 4 ( which i'm now wondering if that was a mistake ). She then gave me the 1st 5. She said that I had a credit card with XXXX XXXX XXXX in XX/XX/2009 ( I think, she was talking very fast ) & that I owed {$10000.00}. She said that if I didn't take care of it, it would turn into over $ 12K in debt that I would have to pay. She said that the bank is now owned by Chase bank due to the bailout & that she could help me with a hardship settlement. Well then I asked her to repeat what the bank name was & she immediately said that it didn't matter if I remembered owing it or not, that my state is a creditor state & that if I didn't want to accept the hardship case, they would do what they have to do, even going thru my job if necessary & she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P.
State: MO

Complaint narrative:
I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA,  requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. 



Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . 
XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX   XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.

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 2018-06-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: AR

Complaint narrative:
Money was taken out of my account. I have no idea what this website is but it is called XXXX and Ive never heard or used this website. They have took out multiple amounts of money such as {$3.00}, {$7.00}, {$1.00}, and even {$17.00}. It has now put my account into overdraft and everytime I call customer service and type in my card information it says it can not pull up my account. This all happened XX/XX/2018 this morning. I had over {$100.00} in my account and its all gone now. This website is in a different language and somewhere in XXXX. Please help me get my money back.

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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has denied my right to have online access to my credit report for 3 consecutive years. Per the Fair Credit Reporting Act, Equifax is legally obligated to provide me with a copy of my credit report annually, however when I attempt to retrieve my Equifax report through XXXX, all of my information is verified, I receive a message stating, " Great, we have found your credit file '', but instead of my credit report displaying, I receive an error message advising me to call Equifax. I have been denied credit, based on my Equifax credit report and attempted to retrieve my report on their website and I continuously receive the same error message. Over the last three years, I have called Equifax more than a dozen times, attempting to resolve this issue. Most recently, I have called Equifax on XX/XX/XXXX, 3 times on XX/XX/XXXX, twice on XX/XX/XXXX and twice on XX/XX/XXXX to determine why my credit report is unavailable to me online, they have no answer or resolution. Can you please assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: GA

Complaint narrative:
I am applying for a home equity loan, and during the process, I was informed by XXXX XXXX that LoanCare is showing a lien on my property. I called LoanCare on XX/XX/XXXX, and received a copy of the release, dated XX/XX/XXXX for {$260000.00}, XXXX XXXX XXXX, page 1495. After careful review of the release, I noticed it incorrectly shows XXXX County, instead of XXXX County. The XXXX County Clerk of Superior Court does not have record of the release, so it seem clear the release was sent to XXXX County. I have spoken with a number of representatives at LoanCare, left several messages with supervisors, as well as completed a LoanCare Request an Advocate form online, but I still can not get any assistance resolving this matter.

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 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had this card for years and used it for my company to buy parts, fuel ... I had 4 or 5 different cards with various employees names on them same account. I called the credit card company and requested 3 more cards for additional employees. Gave the CC Co. the names and DOB of  the employees they said good your cards will be shipped, and they were and I received them. A few days later the cards stopped working, I called the CC Co. to find out what was going on and they said your account was closed, I said why and they replied because I had added new users and they could not verify the new users. I said you already sent the cards shouldn't you verify the users before sending the cards? They said the account is closed I asked to reopen and they refused. Then after thinking about it i realized it is a rewards card so I called back to redeem my rewards and was told to open a claim and they would review it. So I did. I was talking with XXXX and my claim number is XXXX. I asked how many points I had and she told me XXXX points. I asked what does that equate to in cash she said {$1400.00}. After they reviewed my claim I got a letter stating they are unable to redeem my points. I have a credit rating somewhere around 830 and there was no reason to close 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 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
seems like the superman plot, but I have a checking account with wells fargo and a credit card with Wells Fargo. I used their system to transfer funds from my checking to pay off the credit card. The money is instantly removed from the checking account but the payment takes several days to be reflected on the credit card account. So they are avoiding paying interest for a day on the checking account and get 2-3 days of interest charge the credit card. 
Maybe that's just how it works but it seems if there is a transfer from one account to another it should be reflected that way. Maybe it only adds up to a penny or so but not sure what magnitude this is

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 2018-06-29 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: GA

Complaint narrative:
To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XX/XX/XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with 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 2018-06-29 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: TX

Complaint narrative:
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with 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 2018-06-29 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: URS Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and All Tran has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with All Tran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: GA

Complaint narrative:
I submitted a dispute to Equifax in regards to the XXXX XXXX account asking for them to validate the correct information in which they have failed to do so numerous of times. They are reporting numerous of late payments on my account in which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: GA

Complaint narrative:
To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?

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 2018-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.

Company response to consumer: Closed with explanation