vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee.

This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my XXXX Credit report says Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Acquired Assets, Ltd.
State: GA

Complaint narrative:
A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the late payments on XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 have disputed the late payments on XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.

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 2018-10-25 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 have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.

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 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have had a wells Fargo secured credit card for over 2 years. Paid my Bill 's over the amount requested and never received an upgrade. Their excuse is I haven't updated my salary and I paid 2 days later than the time once. Everytime I call I update my salary. The manager I've spoken to is a completely rude and doesnt care about upgrading anything. I asked several times when the upgrade would happen and for 2 almost 3 years inXX/XX/2019will be 3 years. I have 2 cards that's been upgraded to unsecured and close to $ 15k and I still have this measly little {$400.00} card. They lie about the entire upgrade process.

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 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A-1 Premium Acceptance, Inc.
State: KS

Complaint narrative:
I have received countless automated calls from King of Cash ( XXXX ). For example, I received calls on the following dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more!! I have called this company at least twice to report that they have the wrong phone number on file. The automated voicemail indicates that they are calling for someone named " XXXX '' and my name is NOT XXXX, nor have I ever done business with King of Cash. I verified my cell number is on the do not call registry since XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: NH

Complaint narrative:
Received calls at the following dates and times ( all times referenced are ET ) - XX/XX/2018, XXXX XXXX. - Private caller, no message left XX/XX/2018, XXXX XXXX. - Private caller, no message leftXX/XX/2018, XXXX XXXX  - " Toll free call '' XXXX, no message leftXX/XX/XXXX, XXXX XXXX - " Toll free call '' XXXX, no message left XX/XX/XXXX, XXXX XXXX. - Private caller, left message - recorded message ( not live person ) stating it was a debt collector and to press 1 or to call back at XXXX ) XXXX XXXX. - Private caller, no message leftXX/XX/XXXX - called XXXX at XXXX XXXX. ; automated system stated company was Waypoint Resource Group and there was an account associated with my phone number ; press 2 to speak with a representative ; no one available to take my call - did not leave a message XX/XX/2018 - called XXXX at XXXX XXXX. ; same automated system stated company was Waypoint Resource Group and again said my phone number was associated with an account ; pressed 2 to speak with a representative ; XXXX XXXX came on the line, asked who he was speaking with and I gave him my name, he asked my phone number, which I also gave him. He told me they were trying to reach someone whom I have never heard of. Mr. XXXX  stated he would note the account and remove our name/number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My phone was used without my knowledge to send money to someone that I do not know through the XXXX   application. When I was made aware of this I contacted XXXX and informed them that this was fraud. I was told they would freeze my XXXX  account and that I should contact my banking institution because it is directly linked to that application. I called XXXX XXXX XXXX  and made them aware that this was fraud and they reverted the processing payments to make sure that I would not be charged. After having done that I assumed that XXXX   would do their due diligence considering the person who committed the wire fraud obviously has an account with them. To my surprise days later I received an email from XXXX that while my banking institution failed to fund the payment they covered it and I now owed them. It isn't like this was a small amount of money. It was 2 separate transactions totaling {$2900.00}. I did more research and they have a maximum limit that can be sent in a weeks time of {$2900.00}, so obviously this person knew this and sent just under the maximum amount allowable. On average I have about {$100.00} dollars in my checking account after I pay all of my bills and this is an amount that would destroy me financially. I've haXXXX XXXX for years and have never sent close to that amount of money to anyone. I've never disputed or reached out to XXXX   concerning a transfer that I did not authorize. Why would XXXX put me in debt with them for something that I made them aware of? Wire fraud is a felony and it is seemingly something that they do not take seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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: WI

Complaint narrative:
I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my Trans-union Credit report says Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.

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 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Optimum Outcomes has placed the debt on my credit and caused my score to decrease therefore preventing me from purchasing a home. I find this to be illegal as they are not their original creditors and purchased this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. 

Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. 
The decrease in credit limit will negatively effect my score even though account was always current. 
They sent letter day before decrease so no proper notice was given.

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 2018-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband was scammed out of {$65000.00} from our Wells Fargo account in XXXX, CA on XX/XX/2018. Two wires ( both domestic and international ) and {$10000.00} in cash was taken from the account on that day and we received no security alerts from Wells Fargo that there was unusual activity in those accounts. We were able to stop one international wire for {$35000.00} the following day but filed a complaint with Wells Fargo fraud unit to recover our {$20000.00} domestic wire and the {$10000.00} that was withdrawn from two accounts that was unauthorized. We have contacted and met with branch manager XXXX XXXX  who authorized the transactions who has declared there is " nothing they can do '' to recover our money. The {$20000.00} wire was sent to a XXXX XXXX XXXX  account payable to XXXX XXXX XXXX XXXX XXXX  GA. The {$10000.00} was spent on XXXX XXXX  cards that were immediately cashed out upon receipt.

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 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My online Bank of America ( BOA ) credit card account ( ending in XXXX ) statement indicated an 'unclaimed credit ' in the amount of {$260.00} as of XX/XX/2018 I contacted BOA supervisor XXXX  regarding this unclaimed credit on XX/XX/2018 requesting that the {$260.00} be applied back to my credit card account. XXXX indicated that BOA sent the {$260.00} to the State of Texas. XXXX  noted I have to contact the State of Texas in order to get the money that is rightfully owed to me. I asked XXXX to speak with an upper level supervisor. XXXX indicated, " I ' the highest level supervisor available at this time. '' This is concerning, as I'm a long-time ( over 20 years ) customer with multiple BOA account. I've had no issues in the past requesting BOA to apply overages/credits back to my account. Thus, I would expect BOA to make every effort to contact a valued customer before deciding to move in this direction. Prior to this phone call, I was never notified of this 'unclaimed credit ' by BOA .

I spoke with the XXXX ( Texas unclaimed Property Division/Texas Comptroller ) on XX/XX/XXXX regarding the above. XXXX indicated there is no claim in the system under my name. She noted that it could take a month or two before the claim shows up in their system, which afterwards I can initiate a refund claim. She also indicated that funds are usually not turned over to the state until 3 years of inability to make contact with the customer. Thus, it could be months before I receive my funds. Therefore, I'm very concerned that BOA in this deceitful manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix  this ASAP please Im looking to purchase a home.

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 2018-10-25 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: NJ

Complaint narrative:
Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX  Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted my FTC Identity Theft Affidavit to Equifax to block a medical debt that is appearing on my credit file. It was determined that the medical debt in question being held by collection company XXXX XXXX  and the original creditor being XXXX XXXX XXXX. The account number is XXXX, note that Equifax only shows the first digit on this account and the remaining four digits are blocked out. My FTC Affidavit also included an inquiry by XXXX XXXX that was also listed on the Affidavit and Equifax refused to block that as well. I received and email notification from Equifax stating my dispute was ready to view and upon doing so Equifax states that they would not be blocking this account from my credit file and I other reason was given. When I submitted my Identity Theft Report I also included copies of my drivers license, social security card, Identity Theft Report and 605b print off. XXXX and XXXX have blocked this account but Equifax refuses to do so. Even though Equifax received my Identity Theft Report they still added a fraud alert to my credit file.

Company response to consumer: Closed with explanation