vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX I went to the XXXX Macy in XXXX, WA to purchase a mattress & bed frame during their XXXX XXXX  Sales event. I asked for Macy 's White Glove service which includes delivering the mattress and frame for free. the sales person XXXX XXXX kept saying I should purchase a sales floor model as the Macy 's at XXXX XXXX had recently closed and he had great deals on Sales floor models But he could not offer me white glove service on the sales model. I told him I have no one to help me lift or move and I have a XXXX XXXX XXXX. XXXX XXXX manger was present who apparently is also named XXXX last name XXXX from what I have pieced together then put all the info in for a mattress that had white glove delivery then he said he could not deliver it on a Saturday  so he could give me XXXX XXXX dollars off the sales floor mattress and frame and i could order a XXXX delivery which XXXX XXXX then set up on my phone. 
The mattress was to be delivered on Saturday  XX/XX/XXXX the XXXX staff had to drag my mattress up my two flights of stairs. Then when it came time to lift the bed frame they stopped at my front stairs to my apartment and said it was too heavy for them to lift. I said Macy 's had promised the full delivery. The pair of men bickered with me and I got Macys mattress department on the phone XXXX XXXX answered and I said I was sending the XXXX crew back with bed frame because they could not even lift it up one step to my apartment door.XXXX XXXX said he would get a Macy 's Manager to call me.No manager ever called that day. I asked XXXX to call their supervisor and the young man said it was his first day and he had not ever lifted or moved anything and could not lift up any stair case the XXXX took the frame back to macys to a manager called XXXX XXXX XXXX x XXXX which never get back to me. He said he would partner with XXXX but I have left messages and never heard back from him. The number he gives me is not direct. XXXX wants to charge me XXXX XXXX and XXXX XXXX dollars for a bed frame I never obtained because their XXXX could not XXXX. 
I have attached the Macys reciept which states Macys is responsible for delivery. At this point all I want is a refund on my Macy 's credit care for the bed frame and I do not want to purchase anything from Macys again. I feel that Macy 's should pay XXXX. I am hoping you can help me with this situation.

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 2019-07-02 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I Sent in a dispute to XXXX, XXXX and XXXX  inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
I Sent in a dispute to XXXX, Equifax and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I haven't Received no physical document of debt or corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.A.Rogers, Inc.
State: CA

Complaint narrative:
I am constantly receiving harassing phone calls from this company. I had no knowledge what the calls were for but they just kept calling. They would even call my number at XXXX my time. However, I finally received a collection notice about a debt they said I allegedly owed to a company card XXXX XXXX. I have never heard or the original creditor and learned they are back east. Anyway I contacted the company A. Rogers Inc in writing to let them know they have the wrong person and that I am not in debt to XXXX XXXX. I requesting that they also stop contacting me via phone or in writing. After that the calls got worse- at least 5 times a day and still starting at XXXX. 

After that I received another collection notice from MS. XXXX at XXXX XXXX stating I owe a much higher amount than the previous collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened an AnyDeposit Checking Account with Bank of the West on XX/XX/XXXX. There was a promotion of {$150.00} Bonus if I did certain requirements. {$100.00} for a Direct Deposit and another {$50.00} if I used my Debit Card to do 10 POS Transactions during the 2 months following the month I opened my account ( i.e. XXXX and XXXX ). It was mentioned that the payment will be issued by XX/XX/XXXX. Yet I received nothing. 

To be sure, I talked few times with the customer service. Once was on XX/XX/XXXX for some general questions about the bonus. Once on XX/XX/XXXX to confirm that I am eligible and that I am doing the right steps. Then once on XX/XX/XXXX ( after I fulfilled all the requirements ). I was told then that I QUALIFY and I SHOULD BE receiving the bonus by XX/XX/XXXX, On XX/XX/XXXX, I gave Bank of the West a call asking them if I will be receiving the Bonus in the next 2 days ( I've known people that have already received their bonus by mid of XXXX or a little bit after ). That's when a supervisor informed me that I don't qualify cause someone from Mid of XX/XX/XXXX until mid of XX/XX/XXXX claimed the same bonus living at the same address I am in ( I am aware of this fine print detail ) .However I have been living at the same address since almost 2 years and I've asked other tenants residing in the same address if they actually deal with Bank of the West , None had any accounts with Bank of the West. 

I am not sure how Bank of the West is claiming that someone residing in the same address collected the same bonus over the last 2 years. It is clear that they don't want to pay out the bonus. I stepped into a Bank of the West in XXXX to try to resolve the problem. This was on XX/XX/XXXX and I've spoken with the branch manager and promised to call me the following day after consulting with the office that is responsible for paying out the bonuses. Branch manager didn't call me. I went once again on XX/XX/XXXX, then I was promised that I will receive a call after few hours. Nothing again. Today is Monday XX/XX/XXXX and it's already almost XXXX XXXX  and I didn't received a phone call today as well. 

Unfortunately due to the above circumstances and the failure from bank of the West to resolve the problem, I decided to escalate this issue to the CFPB.

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 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Called customer service regarding late payment fee assessed. When called the company, a different servicing company answered from phh mortgage company to XXXX XXXX. We were not told or notified that a servicing company had been changed. Anyhow, our concern is that we are being assessed for a late fee when in fact our account had been set up biweekly through bill pay from our own bank account, and it had been set up that way since we started the mortgage since 2015, and this is the 1st time we are being charged for a late fee. We checked our bank account and its been properly sent prior to due date.. our concern is late fees being assessed and frequent changes of servicing mortgage company, since we had the mortgage, it was changed to 3x and adds to confusion and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: NY

Complaint narrative:
Equifax and XXXX is purposely disobeying the FCRA 605 ( B ) Laws. Equifax and XXXX has received all the necessary  documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. Equifax and XXXX staff members verbally said they received the documents on XX/XX/2019 and thus Equifax hasn't blocked/removed anything! XXXX has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Attempted to establish contact with debt collector by mailing a letter to them. No response was sent back nor did I receive any follow up information of account 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 2019-07-02 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: NY

Complaint narrative:
XXXX XXXX is my name my social security number is XXXX XX/XX/XXXX my complaint is that trans union credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have trans union removed these accounts from my credit report its affecting me. All negative accounts are fraud

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 2019-07-02 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: NY

Complaint narrative:
XXXX XXXX is my name my social security number is XXXX XX/XX/78 my complaint is that XXXX XXXX credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have XXXX XXXX removed these accounts from my credit report its affecting me. All negative accounts are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: VA

Complaint narrative:
I'm disputing the following accounts, 1 ) XXXX XXXX   {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 )  XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

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 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I have no contract with source receivables management. I don't know who they are. Im not paying for something i didnt agree to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I used to be a Consumer Loan Originator for OneMain Financial. I'm writing this complain to report my manager for actively discouraging employees from completing proper investigation into fraud alerts on consumer accounts. Names on titled loans were checked by calling a private licensing office and no effort was ever made to ask about or investigate fraud alerts on consumer accounts. I had several instances when I raised concern about fraud on consumer accounts only to be assuaged by my manager that we should lend out money with no further request for questioning or documentation. An extreme of this situation would be a consumer who applied with 17 cars and no money to start a business. My manager told me not to worry about the situation and to try to secure a loan on one of his vehicles without any further questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
I did have fraud in the past i did file i was also incarcerated as well when the person was using my identity ..the person open up account with XXXX XXXX XXXX XXXX XXXX XXXX other companies as well i only lived in two address which is XXXX XXXX XXXX XXXX XXXX XXXX and currently living at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: VA

Complaint narrative:
I'm disputing the following accounts, 1 ) XXXX  XXXX {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

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 2019-07-02 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: VA

Complaint narrative:
I'm disputing the following accounts, 1 ) XXXX XXXX {$710.00}, 2 )  XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: PNC Bank N.A.
State: FL

Complaint narrative:
I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX   balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB
State: AZ

Complaint narrative:
My payment was due on XX/XX/XXXX and I made the payment at around XXXX MST. However, I was unaware that the payment needed to be made by XXXX XXXX Eastern Time, and I live 3 hours behind. Now I was charged a {$38.00} late fee which State Farm Bank refused to waive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
I was charged for {$890.00} on XX/XX/2019 by Pro Collect. No idea why. Never received notifications of debt before that.

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 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My XXXX sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted XXXX  to fix this issue in which is was but only until today when again something of my sisters credit card account from capital one, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
There are several accounts which appeared on my credit report without notifying me first.. I have never dealt with these people in the past..I don't know who they are.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX, XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CO

Complaint narrative:
My twin sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted transunion to fix this issue in which is was but only until today when again something of my sisters credit card account from XXXX XXXX, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue

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