vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.

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 2018-01-06 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: DISCOVER BANK
State: IN

Complaint narrative:
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.

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 2018-01-06 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 — Investigation took more than 30 days
Company: ACS Education Services
State: VA

Complaint narrative:
After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: Conn's, Inc.
State: IL

Complaint narrative:
After finding multiple accounts reported to my credit reports from a company named conns out of Colorado. I filed a fraud paperwork and the police report in XXXX XXXX and said all documentation conns requested to fix the issue and still they wont remove the accounts. They are not my accounts. I spoke to them multiple times and still nothing has been resolved. The accounts were opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.

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 2018-01-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.

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 2018-01-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: COMMUNITY CHOICE FINANCIAL, INC.
State: IN

Complaint narrative:
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My house was sold in a foreclosure sale, while I was trying to work out a Workable Solution with CitiMortgage. I contacted with the foreclosure team a CitiMortgage, I had several Homeowner Specialists every time I sent in some paper work. I would have to explain my situation and hardship all over again. My mortgage fell behind when I was injured on the job, forced to resigned from my position by my employer. I had been waiting on Justice, praying everyday that my case would be solved before I went into foreclosure. I filled out an application, CitiMortgage sent me the wrong application, they were fully aware I would not qualify for a HARP loan. I was trying to get some homeowner assistance, that would give me short term help. I receive a letter from CitiMortgage stating I had to get my paperwork to them by XXXX XXXX. XXXX, I faxed the information back to them, on XXXX XXXX, XXXX there was a XXXX XXXX letter on my porch, inside it read, I had been denied, along with other reading that did not apply to me. I will fax all information to your office. 
I contacted XXXX XXXX, a company Director, because I was confused as to what was going on, Later another Homeowner Specialist contacted me, but, they kept playing phone tag. Every time I would call they could not take my call, they state that they would call me back, I would have to call them back or they would not have the information needed. The homeowner Specialists did not try to help or give me options to keep my house. I have been in this house for seventeen years and I am XXXX years old, I do n't know how pack up my stuff and look for somewhere to go. I am just sitting on edge now.

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 2018-01-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have two credit cards with SYNCHRONY BANK : A CARE CREDIT AND XXXX  CREDIT CARDS. THE ADDRESSES ARE THE SAME : XXXX XXXX XXXX XXXX, FL-XXXX, ( XXXX ) XXXXSYNCHRONY BANK REFUSES TO REPORT MY ACTUAL PAYMENTS I MAKE PER MOUNTH FOR EACH OF MY TWO CREDIT CARDS. SYNCHRONY BANK REFUSESTO REPORT THEM INTHE BALLANCE HISTORY AND PROVIDE THEM EVERY MONTH TO THE THREE CREDIT BEAUROS.

This is a violation of the FCRA.

Bellow I copy the data I have on my Equifax credit report. The actual amount is missing! None of the information/balance/ minimum due amount is correctly provide to XXXX and the other two bureaus. The same problem is with my XXXX XXXX XXXX credit card where my actual payments are not reported. ( see copy below ). 

XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$3600.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$8000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3600.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$150.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 3 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : XXXX XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$860.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$3000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$860.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$25.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: CO

Complaint narrative:
I was illegally evicted from my apartment and erroneously billed for breaking my lease. The landlord 's representative sold this debt to XXXX XXXX XXXX, who added this fake debt to my credit report. I appealed the court 's decision, which was reversed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the landlord settled and the judgment was vacated. However, over a year later, XXXX XXXX XXXX has not removed this fake debt from my credit report. I disputed the charge with Experian to remove it and they will not. They stated, " XXXX XXXX XXXX Account Number : XXXX Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' However they did not share how the creditor certified this fake debt. It certainly was n't with court documents!

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 2018-01-06 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: NE

Complaint narrative:
XXXX XXXX, 2018 I requested my credit score with Trans Union and saw that there was information such as an incorrect address on my report. I called Trans Union to ask them to correct the information. Looking at my email, I have been charged {$19.00} for this report. I had requested a credit score for my husband too. He also received an email charging him for the report. We did not authorize these charges. I 've checked my bank account and one of the {$19.00} charges is showing up. I called my bank and had them close my debit card immediately. The bank will not pay since the charge had not been processed. How do I get Trans Union to cease making attempts to charge my checking account? I want to discontinue any contact with them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I am requesting that third party apps have access to my financial data so that I can utilize the varies utilities each offers. " CapitalOne is BLOCKING you from enabling external applications.

Company response to consumer: Closed with explanation