vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and equifax. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and equifax credit reports. 


Thank you XXXX XXXX Safety Engineer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an XXXX. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The following is the list of steps around this issue. 

Last winter ( XXXX XXXX ), I requested Wells Fargo to help me manage a checking account. It had a negative balance and I no longer had an Online Banking service and don't have a branch in my area so I asked them if I could deposit money to the account. They said they would not take any kind of payment on the phone so I had to open a new account. For some unknown reason, they said they had to to close the original account, transfer the money to a new account ( which they opened ) and set me up to use Online Banking. I then used Online Banking to make a payment to bring my balance to a XXXX balance. 

I called a few weeks later and then asked them to close the new account. They said they could not close it because it had not been opened long enough and I had to wait. 

I waited another month and called again. They said they would close the account. The account was never closed. 

I called again and they told me the same thing - the account had not been opened long enough and I still had to wait. 

I then received a statement in the mail with a {$10.00} service charge for having a XXXX   balance! I sent them a written letter the first week of XX/XX/XXXX stating that the service charge was a result of them not closing the account and asked again for the account to be closed. 

On XX/XX/XXXX, I received a letter from them saying they could not close the account because it had a {$10.00} balance. I am now writing them again to ask them to get rid of the service charge and close this account. 

Please note that they have performed many activities which do not seem to be legal : 1.  Opened up an unnecessary account for no valid reason 2. Would not allow the account to be closed 3. Charged a {$10.00} fee on this 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 monetary relief
Consumer complaint received 2019-04-23 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 am requesting that TransUnion actually investigate instead of giving semantic answers. I have provided more than enough information to conduct an investigation. I am requesting that all of the attached letters that have previously been sent to TransUnion be ACTUALLY investigated. This is my final notice before I file a lawsuit for willful non-compliance under the FCRA.

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 2019-04-23 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:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an M1. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjusters after giving then police reports and ftc identify theft report put a collection on my XXXX  report that legally needs to be removed.this is illegally on my XXXX credit report. My ss # is XXXX.I have given proof of this to my attorney who has taken several companies to court on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the USDEPTOFED account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Red Cedar Services, Inc
State: CO

Complaint narrative:
Charge more than fees legally allowed in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: WA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECEIVED THE ATTACHED LETTER IN THE MAIL FROM EQUIFAX. I DID NOT REQUEST A FREEZE PUT ON MY CREDIT REPORT NOR DO I WANT ONE. REMOVE ASAP. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX and XXXX  an unpaid/placed for collections for {$220.00} partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I moved from XXXX, Texas and cancelled this internet and phone service and sent the equipment back to XXXX XXXX XXXX via priority mail. ( Please see the related documentation attached. ) This documentation is proof that XXXX XXXX XXXX  did in fact receive these items. XXXX XXXX XXXX is now saying that I never returned these items and consequently they have sent this account to a third party collection agency. This incorrect reporting is harming 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 explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collection Systems, Inc.
State: TX

Complaint narrative:
Someone who had been using my personal indentifying information obtain loans and goods in my name.I already sent American collection systems in XXXX Wyoming a letter from my attorney, as well as a police report and ftc report.they originally removed it from XXXX and XXXX as they are supposed to by law.last week I noticed the same {$540.00} collection on my XXXX credit report! it's is from XXXX XXXX.i never have done business with this place, nor do I live where loan was even taken out. My social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XXXX 2019. The 30-day late payment is for annual fee which I was not aware I had to pay. On XXXX statement it said that I have a past due of {$40.00} because of an annual fee. First Barclays bank was supposed to be making auto payments regarding my account ( XXXX ). Second, I have a {$30000.00} credit limit with Barclays which I dont even use so that means it was not a money issue but a bank error. Third it is an annual fee which I was not even aware I was paying. I was aware of this incident because I was informed by my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$15000.00} deposit for the property.

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 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In checking my credit, I found a collection for " Medical Payment Data ''. I called Radius Global Solutions and paid the balance using a credit card. I asked them for a XXXX-Balance email and a Letter of Deletion, which they said they would provide. I never got the email or letter, so I called them back. I got bounced around, transferred several times and then told that it would take 48 hours for the email and up to 60 days for the letter! ( I was not told this on the initial call. ) It has now been 48 days, still no email. I called them back, got bounced around again and then they gave me a number to call that did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a {$38.00} dollar overdraft fee on XX/XX/19 for a {$60.00} draft on XX/XX/19. After the {$60.00} draft on XX/XX/19 the balance shows more than {$1200.00} in the account. The bank 's customer service line says they did nothing wrong. I need help recovering this fee please. {$38.00} may not seem like a lot to the bank but it's a lot to this middle class consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reported to XXXX, XXXX  and Equifax fraudulent information in my social security number. Equifax does not want to remove fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car. 
The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void. 
Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States. 
I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this  allegation Is there any assistance you can offer me on this matter? 
Most sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: FL

Complaint narrative:
Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Williams & Fudge, Inc
State: AR

Complaint narrative:
I was sent to William XXXX Fudge collecting agency and was told back in 2017 that XXXX University Online and XXXX University Online had broken the law regarding the scare tactic and threaten to send me to jail over a debt that I had never owed and was not to have enrolled in their school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card  company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement. 

When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.

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