vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX I concluded mediation with Wells Fargo Bank via phone with a mediator who has had 43 years of experience as an attorney in XXXX XXXX. On XX/XX/XXXX, I signed a Mediation Proposal agreed upon by Wells Fargo Bank and myself for the sum of {$2200.00} as full and final settlement. I was to receive a check in this amount plus taxes from Wells Fargo within 21 days according to the mediator. That date would have been XX/XX/XXXX. But as of today, XX/XX/XXXX, I have NOT received the above amount by check and have been given the excuse that the " system '' of the Mediation Office in XXXX, OR, is down. I asked ( on XX/XX/XXXX ) the Mediation representative at Wells Fargo, the woman who has worked on my claim since XXXX, XXXX, when this " system went down, '' she stated that it was a week ago. That would NOT have had any bearing on this proposal agreement. IF Wells Fargo had sent my check on time as agreed in Mediation, it should have been on its way before the " system '' went down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.

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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
When I applied for a loan XX/XX/20, I learned there was a freeze on my credit reporting with Experian. I've gotten into their circular " interactive '' phone system 5 times and was pushed to the page to, instead, submit request by mail. That requires a written letter, along with the following : " government issued id card, such as driver 's license, state id card, etc. copy of utility bill, bank or insurance statement, and a copy of social security card or another document that displays your ssn. '' I can provide a copy of my diver 's license and a utility bill. And my social security card. It does not, of course, contain a SSN any longer. I need to know what else I  can provide to fulfill their requirements for a document with my SSN on it. BUT I CAN NOT REACH ANYONE TO ASK, NOR GET TO A PLACE ON THE WEBSITE THAT WILL ANSWER THIS QUESTION. 
I need to know how I can get the freeze removed. I understand the process of dealing with your agency can in itself take a couple of months just to get through, hopefully, to Experian. Consequently, I will not be getting a loan ( the genesis of this nightmare. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Credit Services Inc.
State: TX

Complaint narrative:
XXXX  XXXX- XXXX XXXX  in Texas and a debt collection company called First Credit Services , Inc in ( XXXX XXXX XXXX XXXX XXXX ) XXXX , NJ has sent out collection notices threatening to submit my brother and my names to Credit report bureau for invalid bills that were created after we requested in person to cancel our memberships in XX/XX/2019. It is a fraudulent charge where the company denies acknowledgement of our canceling the membership in person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Identity theft wallet was stolen. Made a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX at XXXX XXXX, deposited a check for {$2200.00} in ATM Chase Bank XXXX XXXX XXXX. XXXX CA. Machine malfunctioned and printed a message saying I should call XXXX to see if deposit went through. Sequence # XXXX No copy of check was produced ( I have only the stub ). 
Phone call was ineffective. Walked into bank where banker ( XXXX? ) spent about 1/2 hour with me, told me I was the third person in the last 1/2 hour with this problem. She told me the ATM complany/Chase will not allow them to post a note on the machine warning people that the machine was malfunctioning, as the policy was that would look " unprofessional. '' She called in my matter, and affirmed me that my check would be credited by that evening. 
It was not. 
Today XX/XX/2020 I responded to an email from Chase telling me to call to answer some more questions. I called. They had no questions, but when given the claim alert number XXXX, asked if I was " the one who made the withdrawl. '' ( I made no withdrawl ). Then he asked was this about " two checks ''. ( No, only one. ) He told me " The back office needs more time to find the check '' and he told me there is no report of an malfunction of the machine. He told me there will be a " delay of a temporary credit '' perhaps more than a week ( more ). He said the machine had not yet been opened,  and he did not know when it would be opened, and I would just have to wait. 
This is not OK. 
I called the branch and was told that if I went back in person they would work on it, and that they DID have several other people with difficulties with that machine and difficulties moving forward with the credit process.

Fortunately, I live fairly close by. What if I was no longer in the area of the branch bank where I had made the deposit?

My bank account is in need of the {$2200.00}. Chase has had the check for 5 days. Chase can not tell me when the ATM will be opened to locate the check. 
Is this legal? 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank has withheld or erased the points I have accumulated using their Uber Visa Card. There was an apparent change in the terms of the card, which led to a conversion of the points to Uber Cash, in the amount of {$1400.00}. I do not have an Uber account, nor was I ever asked to create one when I first signed-up for the card. On XX/XX/2020, an agent at Barclay 's  Office of the President claimed that there was nothing they would do to help me restore the points or access the Uber Cash, and warned me that contacting the CFPB would lead to the same outcome. But I currently have no other recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Hello, I was given a 'serious delinquency ' by AmEx over the summer even though I was making monthly payments. 
They told me there would be " no penalties '' for late payments because I am in the military. 
I XXXX in XXXX ( the same month they cancelled the card ) and AmEx filed the serious delinquency despite my being XXXX and making payments in XXXX, XXXX, XXXX, XXXX, etc. 

I filed a complaint with XXXX  and they didn't do anything, would you please be able to assist getting this removed from my credit report? 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: FL

Complaint narrative:
Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: U.S. BANCORP
State: NJ

Complaint narrative:
US BANK appear on my XXXX  credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.

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 2020-03-11 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: FL

Complaint narrative:
Transunion just had my credit score not even two weeks ago at XXXX I lo on today and they have decresed it the same exact amount that was increased to XXXX.I 'm sorry but Transunion credit scoring is XXXX   XXXX! I want something done about this f'in company. All they do is go around making everyones score go on a roller coaster up one week down the next. The whole credit scoring system should be thrown out. It's all nothing but a punch of pure 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 explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THERE ARE THREE INQUIRIES THAT SHOULD NOT BE ON MY REPORT XXXX XXXX Inquiry : XX/XX/2019  Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( 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 explanation
Consumer complaint received 2020-03-11 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: TX

Complaint narrative:
XXXX  has been really bad about getting my disputes in CFPB XXXX XXXX XXXX  XXXX  XXXX XXXX violations : XXXX filed number for ftc The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved  on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of  that Act REMAINING COMPLIANT UNDER NEW LEADERSHIP Published XX/XX/XXXX Welcome to XXXX! 

XXXX XXXX With the turn of the calendar, the U.S. now has a new Congress and, as of XX/XX/XXXX, a new President. Many are speculating what these developments mean for the automobile finance industry. More specifically : What changes will be made to the leadership, structure or focus of the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )? 
How will state and local regulators respond to what happens in Washington D.C.? 
What does this mean for dealers and XXXX XXXX? all know company violated the ftc laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank made a transfer from my old bank account to my new account at Citibank for {$50000.00} on XX/XX/XXXX. This transaction was not authorized by me. My old bank account did not have {$50000.00} in it causing a {$35.00} overdraft fee. Citibank refuses to pay for the overdraft fee!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BRCLYSBANKDE XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit reports shows I owe a debt of {$2000.00} XXXX Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 7 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, 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 explanation
Consumer complaint received 2020-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation