vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My complaint is regarding closing my credit card account with XXXX XXXX. First off I would like to say I was never aware of opening this XXXX XXXX 'XXXX XXXX ' store credit card. I did make a purchase with the store back in XXXX XXXX I believe and did give some of my personal information to a store employee just to see what kind of financing I could qualify for. I however was not interested and decided not to use or open a card with them. Since then, it came to my surprise months later, try 6 months later I 've been receiving XXXX XXXX mail regarding the account they 're telling me I opened. In the meantime I never received a credit card in the mail to activate from XXXX XXXX and was never aware of opening an account and here they send me mail regarding my account ending in this specific number etc. 
I called XXXX XXXX and told them I never received a credit card and was not aware of this account being opened in my name. I also told the woman from XXXX XXXX that I would like to close the card. She did tell me the account was never used and there was XXXX balance on the account, and she told me she would close the account. I made this phone call 2 months ago and now I have again received a letter regarding my account in XX/XX/XXXX, which tells me they never bothered to close the account. 
Please help make sure this credit card account is closed. This has seemed very sketchy to me and I worry that someone will get access to this account and use a card in my name. I would like to close it before that happens and receive verification from XXXX XXXX this account is closed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For the past 5-6 months I have been trying to get Wells Fargo to explain to me why is this a mortgage.I went with my mother in XX/XX/XXXX to Wells Fargo to get a debt consolidation loan.She XXXX XXXX in XX/XX/XXXX, I ( XXXX XXXX ) her daughter got the house willed to me.They did a modification in XX/XX/XXXX jto lower interest rate.I paid monthly on the note .Then I find paperwork from XXXX that was added to the Wells Fargo note.To this day, they said I do n't make enough money to get a modification.My only 2 opinions is pay what is due or sell the house.NOT HAPPENING!! They still have n't answered why it 's a mortgage and why XXXX is still on there.That was my mother 's I feel I and my mother XXXX rest her soul have been taken advantage of.

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 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sent money through paypal to a girl from XXXX. I sent {$45.00} she only gave me part of the deal pictures. She was supposed to give me a show aswell through XXXX but did n't. And continued to ignore me. Her name is XXXX XXXX. The transaction took place at roughly XXXX XXXX cst time. XX/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX I found a transactions I did not made them for XXXX XXXX and others I filed a claim with Chase bank credit card The Chase bank wave these transactions on XX/XX/XXXX and everything is good One or more of these transactions was for a company called ( XXXX ) This company sending me emails and mails every day that they will send this invoices to collection company. 

I called Chase bank on XX/XX/XXXX and asked them to help me and contact this company to inform the company that I did not made these transactions and they have to stop sending me XXXX mail and emails. the chase bank customer service answered me that he can not do anything. 

Please help me because I did not made these transactions and I do not want they send these invoices to concoction company and harm my credit score Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: LA

Complaint narrative:
I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: LA

Complaint narrative:
I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

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 2017-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: UT

Complaint narrative:
On XXXX XXXX 2017, I call the XXXX XXXX customer service number to check my balance. The call revealed that there had been unauthorized transactions on my account. I pulled up my account online and saw that on XX/XX/XXXXXXXX there were 3 charges made to XXXX in Florida, I live in Utah and did n't lose my card. I called XXXX XXXX XXXX to report the theft and after 15 or so unsuccessful attempts, the call finally connected. I cancelled my current card and ordered a new one. I was then transferred to XXXX who could assist me in reversing the fraudulent charges. XXXX came on the line saying, " you need a XXXX! '' I responded that there had been fraudulent charges on my account and I needed to be refunded the money that was stolen. She proceeded to tell me that they would mail me paperwork, which I was to fill out and return, then it would take 90 business days for them to investigate the theft. I tried to ask questions, but was not allowed to speak, as she just kept talking over me. She then transferred me to a recorded message and then the call ended. I called back and after another number of disconnected calls reached XXXX, who told me that I could qualify for to have the funds returned to my account within 10 days, but she would have to transfer me to someone else to complete that process. She transferred me to XXXX who denied any knowledge of being able to return the funds to my account within 10 days and repeated the lines about it taking 90 business days. I asked if there were forms online or if they could email me forms to expedite the process, she responded, " No. '' She said I could mail a letter to them alerting them of the theft. I asked her to go over each line of the form they would send out to me, so that I could write a letter that covered every detail of what they wanted. She refused. This money is used for us to live, it is survivor benefits and I am a widow doing my best to support my children who have already lost so much. Now they have lost any hope of having any XXXX gifts or XXXX dinner or anything good this month. Please help us get this money returned as soon as possible Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
Sessoms & Rogers, P.A., lawyers are trying to file a judgment on a debt that is not collectable. I have included the XXXX screen shot showing the judgment was satisfied. I have included the letter sent XX/XX/2017 from Sessoms & Rogers , P.A . lawyers showing the matching case number of the judgment referenced in XXXX  screen shot and the notice of exemptions/motion to claim exempt properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: MO

Complaint narrative:
I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I signed up for Fraud Alert with Transunion. I also received a free credit report from them. In the Transunion Interactive Service Agreement, it states : YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty ( 60 ) days after the date you click-on to " Accept '' the Agreement. You must send your request to : TransUnion XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX. This request must include your 16-digit account number and a clear statement of your intent, such as " I reject the arbitration clause in the TransUnion Interactive Service Agreement. '' As requested in the agreement to reject the arbitration clause, my 16-digit account number either does not exist, or is nowhere to be found. I called XXXX and spoke with Supervisor XXXX whom was not aware of an account number. Instead, he gave me a FIN number ( that was not 16-digits ). I could not understand his dialect, so, I am not sure it was even a FIN number ; it may have been a PIN number. Furthermore, he advised me to call XXXX for my account number. The representative at that telephone number knew nothing of a 16-digit account number, however, he gave me my User ID which was not 16-digits long. I searched all of the Transunion websites I could find, past Transunion e-mails, as well XXXX searches for where to locate said information, and still could not find my 16-digit account number. 

I 've included in my letter sent via certified mail on XX/XX/XXXX to Transunion all relevant information I could think of including my name, address, User ID ( according to the representative I spoke with on the phone ), and the last 4-digits of my social security number, in hopes of legally rejecting the binding arbitration agreement. It is unacceptable for Transunion to require this account number to reject the Arbitration clause if this number does not exist or if I have no reasonable means of locating the number.

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 2017-12-05 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I checked my XXXX XXXX account and XXXX, XXXX, XXXX reports and all reports show in closed accounts XXXX/XXXX XXXX XXXXThis account was opened XX/XX/XXXX and closed XX/XX/XXXX.This account is 13 years and 8 months old.Ive tried to dispute this with with all credit reporting agencys and the company XXXX/XXXX XXXX XXXX.This account shows up TWICE on my credit reports under closed accounts.Each time i disputed this item on my credit reports, I asked for this account to be removed because of age..As of of XX/XX/XXXX, this account is still on my report.This old accounts is causing my credit scores to go down, denial of credit, or higher interest rate.I am demanding these be removed.

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Collections, Inc.
State: NY

Complaint narrative:
I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports were affected by the XXXX hack from earlier this year ( XXXX ). I have two hard inquiries on my XXXX and Experian reports that I did not initiate nor authorize. I have called both companies for removal to no avail. I have made numerous calls and have reported Experian and XXXX to CFPB only to get the continued run around.There are two XXXX XXXX inquiries ( dates filed ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) on both reports. I have never applied for any XXXX XXXX XXXX XXXX. Furthermore, I actively monitor my credit report and it makes no sense for me to apply for a credit card from the same company within two months ( XXXX to XXXX ) with no positive change in my credit report during that period. These hard inquiries need to be removed immediately from my credit report as they are affecting my overall score and worthiness of my credit. I have included my identification information as well as a copy of my latest Experian report ( outlining the hard inquiries in yellow highlighter ) so that Experian can stop with the games and run-around and remove the negative and inaccurate information from my report immediately.

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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Cant open any bank accounts do to XXXX XXXX XXXX. There was a credit card opened in my name Years ago in Wells Fargo. Cant dispute it. Need help opening an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Greyhound Capital Group LLC
State: GA

Complaint narrative:
On my background shows I was charged with a XXXX case I have taken this to trial and found not guilty of all charges and would like information updated .this information should not be considered in hiring me with in companies.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-05 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: CA

Complaint narrative:
I lost a home to foreclosure in XXXX. The last payment that i made was XX/XX/XXXX. This is reflected on my credit report. This is accurately reflected on Credit Report provided by Tansunion. This is also reflected on credit reports provided by them, to me in XXXX. 
Yet Trans-Union continues to report late payments of 180 days on a mortgage that is now over 10 years old. On XX/XX/XXXX I first spoke with XXXX, then with her Manager XXXX XXXX, who explained to me that until XXXX XXXX XXXX reports the information using the correct term " date of first Delinquency '' rather than " date of last payment '', this will remain on my report indefinitely. Date of first delinquency is XX/XX/XXXX if last payment made is XX/XX/XXXX. But because that exact phrase was not provided i am told the information is accurate. 
I also called XXXX XXXX XXXX, but after being transferred from 3 different departs, i was sent to a dead connection. This information by law should have been removed no later than XXXX, yet it continues to report today and apparently will always be on report. They have the info needed to correct but refuse to do so. Its crazy that such an incompetent company has so much power over a consumers financial future. continues to cost me thousands of dollars in over interest rates and refusal of credit. 
The other reporting agencies each removed this information yet Transunion continues to report outdated information and say they will do so indefinitely. Those are their words not mine

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 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I paid of my credit card account with a settlement. I made the payment back XXXX XXXX2016. I  have the paperwork showing that i made the payment. I would like this taken off my account showing that I have not paid it.

Company response to consumer: Closed with explanation