vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. XXXX as also removed this account 3 times without notification of it being reported back. XXXX also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} onXX/XX/XXXX. The vehicle was in the impound which is where XXXX got the vehicle from. It was never repossed for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/2018, I was prevented from enabling an external application to connect with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CA

Complaint narrative:
EXPERIAN CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE. 

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT EXPERIAN IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2018 I opened an account with CIT bank and deposited XXXX. Since then I have been trying to transfer my money out after it cleared and they told me my account was under review. 30 days late and it is XX/XX/2018 and I am still not able to withdraw my funds from this account. They said it was still under review, are very vague with me about what's going on, never return my calls, and said they have no idea why I can't access my funds after 30 days of it being on hold for a so called review. This is a horrible bank. I just want to transfer my money out of this account and close it but they won't let me. And they told me they would send something in the mail to me. They dont even know what it is they are sending me and can't tell me. I've called 8 times over the course of a month and never received anything. I just want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Consumer Finacail Protiection Bureau fined Wells Fargo XXXX XXXX dollars for is illeagal practices as a bank.

Six years Wellsfargo continued to charge me maintenance fees saying if I didnot use my debit card at least six times a month I would be charged a fee. I was some times in the negative each month because I would not use my debit card 6 times a month. Wells Fargo has not paid me the money that is owed to me from the Order Consumer Finacial Protection Bureau ordered them to pay all effected by Wells Fargo Illegal practices I received something in the maill about the controbution last year but Wells Fargo hasnot sent me any money for damages.

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 2018-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 I logged onto my capital one 360 money market and checking account and noticed that it said my funds were not available for me to withdraw. I called capital one this same.day and was told to submit a driver 's license photo, verify my identity through a list of questions ( which I did ) and after all that I was told that my account was being investigated because of two XXXX payments that failed to process on my account. I was told that because of this I would no longer be able to have a relationship with capital one bank, but they were still not giving me access to the over {$5700.00} I have in my money market and checking accounts. If capital one is going to close my accounts, why is there an investigation going On? It makes no sense. And then when I asked when my funds would be available for me to transfer the said they had no idea and it could take weeks sometimes months. Banks have guidelines and know exactly how long they are able to withhold money from people. They are being very shady and I need access to my money. Every time I call they give me an attitude and treat me like a an idiot. They are taking advantage of me and still have no answers for me. They put my account under investigation for an outside XXXX payment that didn't go through and are now keeping MY money from me indefinitely even though I was told my account would be closed. THIS MAKES NO SENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: FL

Complaint narrative:
I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Company Reporting to my Credit as owing XXXX Dollars this is a result of someone using my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My wife sent me a payment via paypal of {$220.00}, papypal added {$950.00} on the transaction. However, the amount sent to me was never disputed and has been posted since the day the payment cleared the credit card. I've attached a copy of the dispute and it shows the amount disputed was {$950.00}. Since then Paypal has even received the {$950.00} to complete the total of the payment while my account is still negative and I have not been credited back for the money the took fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 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: AZ

Complaint narrative:
Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-05-04 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: FL

Complaint narrative:
I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When accessing my Bank of America credit card account, I have noticed that even with the redesigning of the site, the information displayed is viciously misleading, which has lead me to miss and/or misunderstand the amount due. On XX/XX/XXXX at XXXX PST I called Bank of America credit card services to not only express my concerns, but to inquire about an interest charge and to understand my ACTUAL balance due. After the rep spoke with me, and condescendingly explained the charges and information displayed on the website, I expressed great concern for the manner in which information is being displayed and asked the rep to relay my concerns to her boss who should also relay it to their boss. See pictures attached, pay close attention to credit card information displaying the current balance, statement balance, payment due date, etc., etc., etc. Upon speaking with the representative tonight, I repeated myself several times to ensure that I knew what balance is due this month. The rep told me that {$0.00} is due because I made a payment in full on XX/XX/XXXX ( displayed on my statement on XX/XX/XXXX??! ). The rep went on to state that, even though my online dashboard shows that I have a statement balance of {$2000.00} due by XX/XX/XXXX, and a current balance ( with no due date anywhere is sight ), {$1500.00} will be due on XX/XX/XXXX. " Okay, great! Thank you!, '' I exclaimed, " but this is definitely NOT what is displayed on the online dashboard when I log in to pay my account! '' When I explained this to the representative, she stated, " log back in on the XX/XX/XXXX and the amount due will be {$0.00}. '' This is not a solution. To log back in after the close date of the credit card means that I could be late on paying my credit card. That does not help me to understand what amount is due on the XX/XX/XXXX. What I do know is that every month my balance is due on the XXXX and I have until the XXXX to pay the balance in full or I will be assess an interest charge. I also understand that the balances due are incurred from previous months. I understand this all but this is NOT what is displayed. I feel this website is purposefully misleading or someone is just really bad at designing a website/dashboard. My credit card was opened in XX/XX/XXXX and I have been dealing with this issue since I opened the card. I take pride in paying my credit card in full every month but it is purely because of how Bank of America continues to display misleading information that payments are missed or late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.

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 2018-05-04 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:
XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX  ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX  BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX  I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Pinnacle Credit Services, LLC
State: NV

Complaint narrative:
Fraud account open with XXXX XXXX explained this but it was not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: AK

Complaint narrative:
It has recently come to my attention that XXXX and Bank of America are actively discriminating against customers based on lawful firearm-related business activities. As a Bank of America customer and a tax paying and law abiding American, I expect to have access to the same financial services as other law abiding citizens. The Constitution protects United States citizens, and Bank of America and XXXX discrimination is against the law. Considering the sizeable tax funded bailout given to these corrupt financial institutions, I can not fathom how they could think that this would be acceptable. I demand action by our government to uphold the law.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to pay a current bill, which I received a notice for and that bill was satisfied. The representative XXXX said that I had some old bills that he had to notify me of over the phone. He said can you pay at least {$40.00} on the bills? I asked him could he send me the bills, because I never received any notifications about those bills. He said he would send the bills. I never received the bills. 

On XX/XX/XXXX I received an alert from the credit bureaus that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. My rights to dispute was violated. 

On XX/XX/XXXX I called XXXX and spoke to the supervisor XXXX XXXX to notify her that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. 

She stated that they did not have my correct address and that they sent notifications to my old address and the information was provided by the medical provider. They also, said that they had old telephone numbers and could not reach me by phone. XXXX XXXX said she would call me back on XX/XX/XXXX after she investigated. I did not hear from her so I called her. Instead I spoke to XXXX, which I informed him that I never received the old bills. I informed XXXX XXXX that I had no collections from XXXX/XXXX on any of my credit reports. She claimed that they reported this to the credit bureaus, I informed her that the information was not on my credit reports and that I want the information removed, because it is not my fault that they did not have the correct address. 

This is unfair practice and XXXX did nothing to try to resolve this discrepancy. I informed XXXX XXXX that I would file the dispute, because I want the negative collections removed from my report. I had no knowledge of these old medical bills.

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 2018-05-04 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: AZ

Complaint narrative:
Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: NY

Complaint narrative:
I had an Unemployment Deferment that started XX/XX/XXXX. The Unemployment Deferment ended in XX/XX/XXXX. I received a bill to start payments again. As, I am still not working I filled out to extend the Unemployment Deferment and received word that I could not extend it even though the application asked if this was an extension of a previous Unemployment Deferment. Then I applied for a Hardship Forbearance. I was denied this option as they said I used the allowed forbearance options already. Now I am going into two months behind in payments and they are not willing to work with me. My monthly amount is {$220.00} a month. I am not working and can not pay that right now. They are not willing to work with me in my situation.

Company response to consumer: Closed with explanation