vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
on the XXXX th of XXXX i recieved my first direct deposit from my Job in the amount of {$440.00} to my American Express acount. on XX/XX/XXXX an unauthorized money transfer to an individual whom i do not know, removed my direct deposit funds. On XX/XX/XXXX i discovered this fraudulent activity and notified American Express about the suspicious activity and opened a dispute. I changed all of my banking login information with the rep on the line with me. He told me i was all set an be on the look out for an email with the resolution to said dispute. On XX/XX/XXXX i was notified by email that my dispute was denied and my payroll check would not be credited back to my account. i called AMEX and was told to basically write a letter. i implored them to reconsider, as i work very hard for my pay as a XXXX. Again i was told there was no fraud or error. well something happened without my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX  XXXX. 
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX  XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: IA

Complaint narrative:
I have an account with XXXX XXXX XXXX that was originally opened back in XX/XX/XXXX. I have been disputed the status of the account on my Experian credit bureau report for several months now due to fraudulent charges from a lost/stolen card reported back in XX/XX/XXXX I believe. Honestly I can not remember the exact dates as it had been a long time ago and aot had happened, but I can tell you this much my Identity was stolen at some point late in XX/XX/XXXX including social security number and my banking information among some other personal information. So not only was my XXXX credit card compromised at some point in XX/XX/XXXX or beyond, but my identity was compromised as well. I had filed police reports about my identity theft with the alleged person I think was the perpetrator. However nothing was ever done to prosecute him to the best of my knowledge. Although I did provided the local police department in XXXX IA with some evidence, they seemed to have lost the evidence I provided them. I feel like the police either didn't care about my case or he had somebody working with him from inside the police force itself. You know as well as I do that there are crooked police officers out there unfortunately. Anyway, I filed all fraud reports with XXXX XXXX XXXX in a timely manner and to the best of my abilities. However, if they requested any follow up with me, I was out of state after XX/XX/XXXX due to some personal issues. I'm not sure when the account actually went into a negative status, but it never should have due to the fraudulent activity on the account from the loss of the card I previously mentioned in this statement. I have nothing further to add at this time. Please refer to all my previous disputes I filed with the Experian credit bureau specifically. Thank you for your time and understanding in this matter.

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 2018-11-21 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: NJ

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these 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 2018-11-21 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: NJ

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: NJ

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these 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 2018-11-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED XXXX XXXX  TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING 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 2018-11-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX  CARD W/ {$500.00} LIMIT. UNFORTUNALEY INXX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX  STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX  KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING 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 non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I sent a debt Validation to the credit agency " XXXX XXXX   XXXX '' asking to show proof that the debt belong to me. XXXX technically isn't a creditor they are an insurance company so they shouldn't be reporting to the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: GA

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
The company XXXX is sending aaadvantage credit card offers to our XXXX year old son. I dont know how they got his name but if it was from an XXXX XXXX ticket he would have been listed as a lap infant or child. Why are they sending him credit card offers?

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 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo owes me a check in the amount of {$1700.00} ( XXXX XXXX XXXX dollars XXXX XXXX cents ). 

I closed my Wells Fargo account in late XX/XX/2018. Two refunds were issued and posted after the account was closed ; when a merchant issues a refund and when it posts is beyond my control. Per the unilateral action of a Wells Fargo telephone customer service representative, a claim was filed for said amount ( Claim # XXXX ) on XX/XX/18. 

I have called the claims department, spoken with miscellaneous supervisors, and the executive office on an almost daily basis since XX/XX/2018. During that time, I have been told conflicting information regarding if the check will be sent, if the check has been cut, a general time period in which I will receive it, and the amount of the check itself. Moreover, I have been shouted at, hung up on, and been given the runaround during that process. Notwithstanding Wells Fargos egregious conduct, all I want is a reimbursement check for the amount cited above. That money is mine, it does not belong to Wells Fargo. 

In short : I have done everything I can to resolve this issue with Wells Fargo to no avail. Im owed a check in the amount of {$1700.00}. Wells Fargo has yet to provide a remedy. Instead, they have given me the runaround and conflicting information. I seek the assistance of the CFPB to resolve this matter.

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 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Hello- I sent XXXX XXXX XXXX multiple disputes to verify and validated the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Unfortunately, they never sent me proof of any late payments or verification of the account. The only letter that they sent me on XXXX only provided just an open date of XX/XX/XXXX and {$0.00} Balance. This does not meet FCRA 's criteria for account validation or verification. 

Also, I notified them of inaccurate reporting errors on their part ( inaccurate : Open Date and Unverified late ) and requested that they remove the unverified lates. 

I sent disputes to the Transunion and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They too have yet to send me any proof or correct the inaccurate data on my reports. 

Please help!

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 2018-11-21 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: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
They accused me on my credit report ( XXXX ) for an account other than my old account at an old city, they said on the report suspected fraud activity, since XX/XX/XXXX and i didn't know about it tell i closed all my accounts with them this year. I'm trying to solve the issue before i sue them for all what happen to my credit history with no contact at all. while I have an accounts with them since XX/XX/XXXX. The damage caused to be declined by my company credit union and declined for a mortgage, unfortunately, some XXXX reports do'not appear in my normal credit report, tell have been told by a loan officer

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 2018-11-21 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: DISCOVER BANK
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. 
I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. 
I used the phone number XXXX. 
I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at  XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. 
I'm still waiting on the {$300.00} refund.

Company response to consumer: Closed with explanation