vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, Experian and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate 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 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/2019 Wells Fargo paid on check i wrote to XXXX XXXX XXXX for $ XXXX.I wrote in box $ XXXX.i goof and wrote in writting XXXX Dolllars an no cent ... Wells Fargo in XXXX , Arizona where we was tempory they paid $ XXXX.Check # XXXX and i did make complaint with CFPB.com nothing happen.So we got home here in XXXX, Utah .So we went to XXXX XXXX, Utah ask talk with Banker/agent representive.We got help by XXXX XXXX we ask to update our mailing address.And make payment on our over draft that was a mistake of {$500.00} ... She look at said its been so long i never got hold of them, its going in to Wells Fargo write-off sent to Collection.I said i like to make payments to get it paid off.We used to heve Job working for XXXX in XXXX XXXX, Utah we had to quit in XX/XX/2019 Because got hurt and we was over work when we was on light duty.XXXX XXXX REFUSED to let us Make {$30.00} payment.She said we have to have Paid infull by XXXX XXXX and it ruin your credit because wells fargo will write it off.And you/we maybe make payment arrangement with Collection Agency.I never had this problem ever, this my first time i made this mistake, we been with Wells Fargo about 5-6 yrs.We are trying to get part-time Jobs.We been having Bad luck my sister suppose made payments on our car in XXXX Az.She owes us about $ 5k- $ 8k payments an insurance.So we came back to Utah.Our Mortgage is in Forecloser/Fraudulent i was email from Bad Attorney.But Real Estate of Utah.gov XXXX XXXX is working on our complaint with may others price inflation.Then we got behind on XXXX XXXX XXXX/If Wells Fargo would of rifi our cars we be doing better.So we are still  under Doctor order light duty job.We are then XX/XX/XXXX about XXXX had take my wife to XX/XX/XXXX from XX/XX/XXXX, XX/XX/XXXX.XX/XX/XXXXdid all kinds of testing.They Found XX/XX/XXXX on my wife XX/XX/XXXX, and XXXX my wife is on edge! If she bumps her head they said it more likelyXX/XX/XXXXher.So Yes we got many problems this year ... We sellling all our personal belongings on XXXX XX/XX/XXXX.My Plates expire XXXX, finally got new tags XXXX, Insurance {$160.00}. paid and Car payments behind.We are Homeless for our first time in our XXXX me my wife been together.XXXX got us Medical, XXXX card in the mail takes 5-7days for XXXXood.We eat one meal adayXX/XX/XXXXXXXX, Utah Mayor or the Town Does Not Offer Shelter/Housing for Help only XX/XX/XXXX.UT 75 miles away from us.

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 2020-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
while checking out at XXXX in XXXX of XXXX I got a XXXX dollar cash advance on my credit card. My bill now shows 2 separate balances, one for the XXXX dollars and the one for the rest of the balance on the card. This card is now thru capital one bank as XXXX has recently changed banks. I have now been charged interest on the full amount of that cash advance 3 times and the balance has not dropped it has actually gone up since making the advance. I asked capital one about paying off the cash advance and they said i would have to pay the entire card off to do that. My terms on the card have a XXXX dollar cash advance on it which is now only available XXXX. The credit card act of 2009 states anything past the minimum payment on the card should go to pay off the balance of the cash advance and I am paying XXXX dollars more than the minimum payment each month. The interest rates are the same for the balance and the cash advance. So im not sure if i am being charged anymore interest than if it were all one charge. But i do know this is affecting my credit score by changing the available cash advance on my card versus that amount i am given

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
This company has a judgement against me and is trying to sue me for an almost 7 years old debt I co-signed for back in XXXX of 2013. I was only XXXX at the time the I cosigned for the apartment which means the contract could be bad and I do not think this company even followed the right proceedings to obtain a judgement against me or if any of the right required elements to obtain a judgement against me particularly by default were followed or even fulfilled. I am also not sure if the lawyer, the one who sent the letter followed the appropriate laws in particular the FDCPA and this debt collection company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: IL

Complaint narrative:
I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

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 2020-02-07 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: IL

Complaint narrative:
I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

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 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
On XX/XX/20, I paid all outstanding medical debts by phone to Healthcare Collections Inc. I  was offered a cash discount ( I did not ask for this ) and accepted it. I was given a confirmation number : XXXX. I was told that the items would be removed from my credit report XX/XX/20. On XX/XX/20, HCI reported the cash discount as an outstanding debt AND as a late payment. I spoke with them again today, and was informed that I paid it off at the wrong time - that they require two weeks to charge off the discount THEY offered, and that the fraudulent item they have reported to XXXX  will be removed XX/XX/20. When I stated that I was trying to buy a house and this fraudulent item was affecting that, the collection agent said " Well, that's the way it goes. '' When I informed him that I would be filing a complaint with CFPB, he hung up on me. I have disputed the item with XXXX, however, HCI 's bad-faith game-playing with my credit report is damaging to me personally, and I have no doubt that others are being damaged similarly.

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 2020-02-07 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: AR

Complaint narrative:
I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  I XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I was contacted by phone by Barclay Rewards Matercard on XX/XX/2020 about a payment that was due XX/XX/2020 and was not shown as received on my account. I immediately contacted the bank through which it was paid, XXXX. They provided me written confirmation that my payment was received and cashed by Barclays within 20 minutes. I was forced to argue with Barclays for nearly a week until they would provide me with a fax number to send the voided check. That was faxed on XX/XX/2020. In the interim I have been forced to pay an increased payment to cover the money they lost due on XX/XX/2020. They have indicated that their policies allow them up to 25 business days to even investigate the missing money, then another 7-10 business days to process. I have been calling daily to request written confirmation that my money has been located and correctly applied to my account, the interest corrected and fees corrected. It is now more than 30 days since my money was lost and 5 days after I have been required to pay penalties because the bank lost money delivered and cashed ahead of the XXXX due day and I still have no written confirmation that my money has been located. I have been in contact with them on a daily basis. Every day begins with them denying that my money was lost, verbally telling me it has in fact been found and refusing to send me anything in writing indicating that the mistake has been corrected. 
I must insist on something in writing as I am now routed to collections every time I call Barclays which makes me doubt that they have located my payment yet despite having the confirmation number of the transaction and a copy of the check I cashed. 
I am attempting to resolve this as I am completing this complaint form. I am now being advised that my money hasn't actually been found despite them having a voided check since XX/XX/2020. I would like to request the CFPB listen to my telephone conversations recorded by Barclays. They have repeatedly verbally advised my payment had been found and applied and it has not in fact been. I feel as though an attempt has been made to entrap me into a second payment issue. Thankfully I no longer have any trust in this bank and have not only made the large XXXX payment that resulted from the payment Barclays lost but also begun transferring this balance to a bank I have some level of trust in.

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 2020-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
XX/XX/20 I went through online application process to open up a money market account on the Ally web site, link : https : //secure.ally.com/open-account? & XXXX About a week later, I received the attached letter saying Ally could not open an account for me. Reason given : Unable to verify applicants identity. 

XX/XX/20 I called the phone number on the letter. I asked what information sources they used to come up with the reason. The representative replied that all the information available is in the letter. 

XX/XX/20 Later that day, I tried the Ally Chat tool to ask again. Could they tell me what credit report they used?, I asked. All they could tell me was that they used a soft credit check, but could not tell me any more than was written in the letter.

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 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for Citibank 's " {$500.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via the manager in Citi branch ( XXXX XXXX, XXXX XXXX, NY XXXX ). The deposit of {$15000.00} within 30 days was met on XX/XX/XXXX. The direct deposit in two consecutive months was met as well. Maintain a minimum balance of {$15000.00} in my eligible linked checking and savings account for 60 days has been met on XX/XX/XXXX. The {$500.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account. 

I have contacted citi for more than 5 times but they couldn't make sure I can get the bonus before XX/XX/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 2020-02-07 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: FL

Complaint narrative:
In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. Equifax, XXXX and XXXX has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit is a third party debt collector who keeps calling me on my job and harrassing me. The number is XXXX. I have repeatedly asked them to stop calling me on my job. This is the second time and they call my co-workers, asks for my name and get transferred. Then they ask for me and say it is a recording, then another person comes on the phone and asks me to verify who i am so i ask them to verify who they are and they get nasty and say the will not. This is causing me stress and anxiety on my job and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 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: AR

Complaint narrative:
I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

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 2020-02-07 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: AR

Complaint narrative:
I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
2x30 day Late payments are incorrect

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 2020-02-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I had an account with GM Financial from XX/XX/XXXX - XX/XX/XXXX. Account number XXXX On XX/XX/XXXX The account was paid in full. 
Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had fraudulant activity on my discover card back in XXXX. As soon as I noticed the fraudulant atm withdrawls I contacted discover card. They initally gave me back the funds that were taken off my card along with the interest and charges it accured. However just last month they put all the charges back onto my card. I called discover to discuss this and was told that because I did not answer there call they feel it was not fraud. This is Completely not RIGHT. I should NOT be responsible for someone stealing off my card. Now today XX/XX/2019 I went online to view my account and am blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX  XXXX {$12000.00}

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 2020-02-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX  XXXX {$12000.00}

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