vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the morning of XX/XX/19 I made a deposit of {$1000.00} into my personal checking account at the Wells Fargo Bank drive thru window located at XXXX XXXX XXXX XXXX PA XXXX. Upon returning to work I noticed an unauthorized withdrawal on my checking account in the amount of {$700.00}. I immediately contacted the teller at the bank XXXX XXXX XXXX XXXX She informed me that an error had occurred and the {$700.00} was withdrawn from my account in error. She informed me that it could take up to 10 days to have my money returned to me even though it was an unauthorized withdrawal which is absolutely ludicrous. But that " It shouldn't take that long ''. It's going on a week and I've been getting the run around from the branch teller manager XXXX and no response from the branch manager XXXX XXXX. I also contacted Wells Fargo customer service directly and they did nothing to correct unauthorized transaction and said I had to wait. 

This is stealing and unethical. XXXX XXXX XXXX XXXX XXXX and XXXX instructed me to file a prompt complaint with both the comptroller of the currency as well as the Consumer Financial Protection Bureau. They also said " A week is more than enough time to have returned MY money. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
There is two delinquent accounts that are the same one.. XX/XX/XXXX for XXXX $ payment arrangements were made and they still sent it against my credit. Then XX/XX/XXXX they hit me again on the same account for XXXX $ please remove them from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2019 to XX/XX/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. Wells Fargo have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this wells Fargo account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, XXXX has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX  and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, XXXX  is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. Accept XXXX and the other credit bureaus on XX/XX/2019. I have communicated with XXXX and wells Fargo multiple time in the past that I am a victim of Identity Theft and XXXX  and wells Fargo has not takem my case into consideration.

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 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I have a paypal account, i recieved notification from paypal for unusual activity on XXXX XXXX I logged on and saw the unauthorized transfer to an unknown individual. I immediately notified paypal of an unauthorized transfer. They opened the case, on XX/XX/XXXX. 
On the XXXX they sent an message saying case denied transfer was authorized, i called an they said if i had a problem report it to federal authorities. 

I am reporting the theft of my money in the amout ( I do not know the currency ). 

Dispute Case ID : XXXX Transaction Amount : XXXX PLN

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number XXXX XXXX XXXX has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I am currently managing a XXXX not for profit, XXXX XXXX XXXX, we have a company Banking account that has ZERO servicer fees, NO minimum balance requirements - essentially a free bank account. Recently I noticed a " Service Fee '' of $ XXXX/mopnth appearing on mu statement. I went into the local BB & T Branch and asked why were received fees. The answer I got was suspicious and appeared to be fraudulent on the banks ' behalf. Apparently the fee is for Checks that we write, where they image the check to the statement, this not something we enrolled in, rather they do it and charge us for it regardless if we havea check written or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all

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 2019-10-09 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:
after multiple disputes, at least XXXX, Equifax and their client XXXX XXXX acct. no. XXXX refuse to correct or delete reporting specific inaccurate information on this account. 
this installment loan is reporting 0 for term duration. {$0.00} for the actual monthly payment amount ; {$0.00} for the scheduled payment amount.this account update verification was six days ago on XXXX AND XXXX XXXX OPPRESSIVE BEHAVIOR REGARDING THE BASIC TENETS OF THE FAIR CREDIT REPORTING ACT. 
EQUIFAX IN ADDITION HAS SENT 3 LETTERS saying they refuse to investigate this account which any CFPB credit investigator can see is inaccurate on the face of the record. 
EQUIFAX SHOULD BE PROSECUTED BY THE CFPB AND BOTH XXXX AND EQUIFAX SHOULD FACE THE STATUTORY CIVIL LIABILITY FOR REFUSING TO OBEY THE FCRA AND THERFOR DAMAGE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
On XX/XX/19 my friend shipped boxes from my address with XXXX XXXX. to his new address.Since my address was used the bill came to me. I tried to resolve it with XXXX but I was told i couldn't change it since it was billed to me. XXXX tried to resolve it with them but he was also getting priced gouged, so they weren't working with him very much. He shipped XXXX XXXX '' x XXXX '' boxes for {$2300.00}, this was from PA to OR. The collection agency is still send me bills even though XXXX told me he resolved it with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
I had two cards with XXXX XXXX XXXX. Both of them had limits in the area of XXXX dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day 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 2019-10-09 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:
I am requesting to remove XXXX XXXX account from my Equifax report. The reason is some body open that account instead of me and used it. I did not know about existence of this account. I did know about lateness also. Right know this account was closed by credit grantor. Please remove it as soon as you can because it is not mine and never belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all

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 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I purchased a washing machine from Home Depot. I was going to pay with an XXXX card but received an offer of an additional discount and " 12 Months No Interest. '' I initially did not receive the new account discount and had to call customer service to correct it. I did not receive any billing statement. At the beginning of XX/XX/XXXX I went to a retail store, made a {$100.00} payment and the representative called Citibank, requested the late fee reversed and paper billing. I did not receive paper billing and was subsequently locked out of the online portal. I made a {$50.00} payment at a retail store on or about XX/XX/XXXX and due the difficulty in using the account, I called on XX/XX/XXXX, obtained the payoff amount of {$500.00} and paid that amount in full. XX/XX/XXXX while debating on making additional purchases, I found a late notice in my junk email box. I was charged {$34.00} retroactively dated XX/XX/XXXX for " deferred interest. '' I called Citibank and the customer service representative stated I was charged interest due to a late fee and a late fee for the unpaid interest and stated there was nothing she should do. I was transferred to an escalation queue, told by " XXXX '' that managers don't accept customer calls and that Citibank was not going to reverse the fees. I advised I was not going to pay the fees so Citibank closed my account as punishment. I submitted a written complaint and received a message with the customer service number in response. This activity is deceptive at best, but appears abusive. It will also have negative impact on my credit score.

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 2019-10-09 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: TN

Complaint narrative:
I am a ID theft victim. Remove the listed accounts from my reports

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my XXXX Credit report and my Experian Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted the company rep in XXXX of 2019.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.

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 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have two promotional balances on my credit card which I have made numerouspayments toward, but the balances are not where they should be. I have called Best Buy at least a dozen times since XX/XX/XXXX to try to resolve this, but they are not allocating my payments properly. I have paid {$3200.00} since XX/XX/XXXX and my minimum payments have been {$430.00} from XX/XX/XXXX through XX/XX/XXXX, leaving {$2800.00} to go toward my promotional balances, as I have requested over and over. The supervisor I spoke with last week finally managed to wipe out my first promotional balance of {$2200.00}. But, there is still a balance on my second one of  {$860.00}. The beginning promotional balance on that was {$890.00}, so my new balance should be {$340.00} after all the payments I've made, but Best Buy does not agree with me and says they will review it AGAIN. Also, the website is now showing my second promotional BEGINNING balance to be higher than it was. They have changed it from {$890.00} to {$960.00}. This is WRONG. I am attaching my statements supporting my promotional balance info, my payment info and minimum payment info. My XX/XX/XXXX statement with XX/XX/XXXX payment of {$200.00} is not yet available to send. I'm also attaching a screen shot of the change to my promotional balance from XXXX to 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 monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
After sending in 2 letters to collector to validate debt they have not been able to provide any validation / written contract with my signature. All i am getting is phone calls and letters that don't address my Validation letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I have also received a letter saying they may sue me. I am a single father and this has made a major negative impact on my credit score which intern is hurting my chance to have enough credit to help pay for my sons needs and getting a much needed home. I have also been victim to XXXX breach and my personal information is being used in the dark web. 

Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
I had two cards with XXXX XXXX Bank. Both of them had limits in the area of 800 dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day 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 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Sent out a packet back to PHH mortgage services to remodify the mortgage and the sent a letter to a different address that wasnt my address. Now how am I supposed comply if I never receive the letter. An in tern the remodification was cancelled. This is the same run around that I got from ocwen and then losing the paperwork. And the company could of contact me by email but didnt. And this was assigned by the judge to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Hello, i lived at XXXX XXXX XXXX apartment XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX the accounting for them said my final bill was paid on XX/XX/19 she gave me a paid in full ledger and letter. 
the following week im sent to a collection agency iq data. XXXX XXXX XXXX, XXXX, WA XXXX. 
they tried to collect the debt that the apartment said i paid in full. last week i fax them the ledger and the letters of paid in full. to this day they are still trying to collect from me and telling me i am wrong. i ask for a manager and manager sent me to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation