vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-05-13 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: PA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX   and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has listed on my credit report as my home pertaining to a business. On several occasions I have asked then to remove that as I have never has a business at my home. They have told me that it has to stay.

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 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2019, I gave a check of {$1800.00} for a contractor and stopped the payment for the check later. 

On XX/XX/2019, no money was deducted from my account for the check excluding the stop payment fee of {$30.00}. I then called up Bank of America customer service and inquired them about the stop payment of the check, they confirmed that stop payment was on the account and the check was not cleared. I then asked them what happens if the contractor tries to cash the check again, they said it is going to be declined. 

On XX/XX/2019, I noticed that {$1800.00} was deducted from my account with the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '', I called up the customer service as soon as I saw that and asked them to dispute the transaction, they said the transaction is in " Processing '' status and can not be disputed. One customer service representative was saying, it may be an electronic check or may be from the bank for any credit that was already given. 

On XX/XX/2019, the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '' was completed and the money was deducted from my account. So, I called the bank again and requested them to dispute the transaction, then they told they can not dispute the transaction because the check was cashed before the stop payment was requested. They asked details on what happened and how the check was given to the contractor, and they told they can not do anything other than refunding the stop payment fee of {$30.00}. If they knew that the check was cashed before the stop payment was requested, the system shouldn't have removed the cashed check transaction from my account. I would have reacted fast to recover the money. Its unfair to make customers responsible for glitches in their system or any wrong information given by customer service representatives, especially the system involves money. I have been a customer for Bank of America for more than 7 years and they were talking as if there was no mistake from their end. 

I also received a mail from Bank of America stating that " We've completed your stop payment request ''.

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2019 PayPal hit me with hard credit inquiries and it said on application it wouldn't affect my credit.

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 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX and Wells Fargo both claim that I opened up bank accounts with them when I never did I have documents for Wells Fargo to prove I never opened accounts but the fraud expands across a number of accounts cause I lost my drivers license passport and these accounts have been getting Opened

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX hit me with hard credit inquiries and it said on application it wouldn't affect my credit.

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 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
Company Medical Data System l its 2 accounts for XXXX and XXXX date showing on my credit is XX/XX/XXXX. I both mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

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 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I tried to submit this complaint on this past Friday or Saturday night. But for some reason it doesnt't seem to have registered. 

Wells Fargo Home Mortgage, on their system had me registered as completely current with my mortgage as of the end of XX/XX/2019. This was accurate and correct. I called them and complained about some errant late pays ( 11 of them to be extant ) that they reported on my credit report. I also filed a complaint with the CFPB about Wells Fargo 's negligence. 

Then all of the sudden Wells Fargo sends me a letter on XX/XX/2019 saying that I am 31 days late on my mortgage, saying that I owe over {$3000.00} and also charging me late fees. 

Then Wells Fargo sends me another letter on XX/XX/2019 saying that I am now 32 days late on my mortgage, and stating that I owe over {$3000.00} and tacking on more late fees. 

First of all... .where did they get this from? It's totally made up. 
Second of all... this extreme level of incompetency and reckless abandon with which they are willing to operate also is a clear indication of their fault on my previous claim submitted. 

I have attached both letters and you can see they have arbitrarily reversed payments and 'unapplied ' payments thus creating some large fictitious 'overdue balance ', which they also conveniently have applied some retroactive Late Charges.. .for this make believe 'overdue balance ' that they have fabricated by simply manipulating numbers on a spreadsheet. 

Again, I pay MORE than the $ XXXX/mo mortgage amount EVERY month via my XXXX XXXX auto bill pay. Only because Wells Fargo 's negligence and predatory loan practices prevented me from closing on my house a few weeks ago that has me more closely looking at my mail. That is the only reason that I noticed these two letters that were sent ( they looked like the normal billing statement, and since I pay MORE than the required mortgage payment, every single month via auto bill pay.. .I would not have a need to look at the monthly statements ). So because I had an existing claim, it caused me to examine the mail that they sent, which hopefully will allow us to catch this inaccurate 30 plus day late claim before it shows up on my credit report. 

The last time we were not as lucky. And there faulty/negligent/incompetent practices damaged my credit rating and I was forced to suffer for their incompetence. This should not be allowed. Wells Fargo should not be allowed to get away with this. They should be stopped. No telling how many other people that they are impacting in a similar unfair and unjust manner.

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 2019-05-13 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: LEXISNEXIS
State: NJ

Complaint narrative:
Please note that this complaint is in reference to complaint number XXXX-XXXX  that was sent to LexisNexis on XX/XX/2019, requesting LexisNexis to contact XXXX credit Bureau to remove the bankruptcy records from it's files and delete it. 

LexisNexis is being held responsible for selling my private and public information and selling it to XXXX  Credit Bureau for profit without any consent or authorization from me. 

It has been over 30 days on this complaint, LexisNexis never made an attempt to reply or even made an attempt to contact this predatory credit bureau XXXX   what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX will not close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/XXXX - I sent a dispute to Lexis Nexis advising of incorrect Bankruptcy information. According to my research they are under the FCRA rules ; thus, they have violated the 30 day response. I contacted Lexis Nexis via phone around the first week of XX/XX/XXXX to inquiry about the dispute and I was told the dispute was still under review. I advised the CSR that the time for response is past -due ; thus, the incorrect information has to be deleted. As of today XX/XX/2018 : I still have not received a response and they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
We were on a month to month lease with XXXX XXXX XXXX XXXX ( XXXX ) & it became too expensive. They took us to court & we moved XX/XX/XXXX. The judgement for the balance owed to them is {$4900.00}. XXXX sent the account to Hunter-Warfield Collection Agency & added thousands of dollars in erroneous charges & fees. We agree that we owe the judgement amount of {$4900.00} but NOT the {$11000.00} that is currently reporting on our credit reports. I'm attaching a copy of the judgement amount which was also reconfirmed, in court, in XX/XX/XXXX. We tried to make a payment arrangement with the attorney but they said we had to deal with the collection agency who would only make an arrangement on the amount they're reporting, which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got a title loan from this company around XX/XX/XXXX, after paying four months for a total of {$1200.00}, on XX/XX/XXXX they took my car without any prior attempts to contact me or email me regarding my being 3 days late. When I called them they wanted a cash payment via XXXX for over {$600.00}. They refused to tell me where my car was and said I would have to go to the police and pay {$15.00} to get the report they filed before they would release its whereabouts, and that I would be charged not only storage fees for the car but separate storage for the personal items inside. I called back the next day and demanded a supervisor who gave me the phone # to the storage company. When I called them I was told I would have to make an appointment for the following day as they did not allow same day pick up. Wilshire credit then sent me a letter informing me that they would auction off my car on XXXX, in a private sale, unless I paid off the amount due. The amount they wanted was {$3700.00} on a {$3000.00} dollar loan, that {$1200.00} had already been paid. According to DMV code section 3072-j the sale must be conducted in a commercially reasonable manner, ( not a private sale ) Since that time I have received no further correspondence from them. This is another violation of DMV code. They are supposed to tell me how much it sold for and provide a list of payouts and send any amounts over the loan to me. This company is very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
the personnel threatened to take legal action, they told me if i chose not to pay then i would have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX performed a hard pull on my credit in order to open a checking account. I was not looking for an extension of credit, which is what hard pulls are for. In fact, but opening a checking account, I am the entity providing credit to XXXX XXXX. 

If they received my consent, it was on a page with 15 other disclosures that masked the fact that this would occur. I would view that as deceptive. 

Can we stop companies from conducting hard pulls when individuals are not looking for an extension of credit? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have not received my alerts for my credit card statements. XXXX XXXX does not offer alerts notifying you that a payment is due. They have no built in alert system. Then they charge {$39.00} for a late fee and don't offer no more then 1 refund per 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Ive bought a use car at XXXX auto at that time I was really needing a car for work they did sell for tax Id holders the interest was so high 23 % I financed for 6 years I already paid 3 always on time I call to refinance they dont do it because theyre only a loan company not a bank. Even for that i think they should come up with a solution for good payers but never did. Im trying to get better rates. Otherwise Im surrendering the car. The interest is so abusive. The car is a XXXX XXXX and I pay monthly {$550.00} dollars. For the type of car and the credit that I Have this car should cost me XXXX monthly.

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 2019-05-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a WRITTEN SIGN CONTACT with my signature on it they have Failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair Credit Reporting Act. XXXX and XXXX  have Deleted this idea because they Don't have a SIGN CONTACT WITH MY SIGNATURE on it. How can Experian keep violating the FCRA? I want this account deleted ASAP do to them violating my rights and the Fair reporting act and Not put doosan a written contract with my signature on 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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I paid in full the balance on the account on XX/XX/2019 confirmation number available upon request. On XX/XX/2019 a checking account I used solely for making payments on this card was over-drafted due to a payment withdrawn by Citibank although there was a {$0.00} balance on the account. I called on XX/XX/2019 to contest, and gave an address to have the amount withdrawn credited back to my account and to cancel automatic payments. That amount was never sent to me. On XX/XX/2019 the Citigroup withdrew another payment although at this point I had called 2 times already to resolve the balance and cancel automatic payments.

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 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested a refund for my overpaid Citi Bank card. I submitted online on XX/XX/XXXX to send to my savings account. I immediately recognized ( after submitting ) I had an outdated account on file. I called Citit immediately and explained my situation. I was told on the phone that they could not cancel the refund and to contact them again tomorrow. I contacted Citi the next day ( XX/XX/XXXX ) and was told it was already processing but if the account is old that " it will be returned '' as incorrect. On XX/XX/XXXX I received a confirmation that the refund was processed. I have called Citi and they told me will start an investigation that will last 30 days to refund my money. On two separate occasions I asked them to cancel this request but they knowingly continued the refund. At no point was I directed to speak with a resolution team or senior representative.

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