vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX, account has been paid off for a year. Still showing delinquent and that I failed to pay in XX/XX/2018. I have the final invoice showing that it has been paid in full with XXXX  balance. The account was transferred to XXXX XXXX, did not make it to court. We settled, I paid within 3 months. Around XX/XX/XXXX I  submitted complaints on both XXXX XXXX and XXXX XXXX to XXXX   because they were both showing the paid account as delinquent, not paid. Now all of a sudden my FICO score went down 44 points because now they are rebuffing their efforts to show that I am failing to pay something that is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XX/XX/XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with XXXX all I got was a chnage of a late payment from XX/XX/XXXX to XX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over 650 reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler debt collectors placed a lien on my home for a paid in full credit card debt and I provided a copy of the cancelled check as proof and by leaving off the last four digits of the card account number, stated "it is for the wrong account"  so liars and so deceptive it is beyond comprehension!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion File # XXXXXX/XX/2018XXXX XXXX XXXX XXXX XXXX CA, XXXX has no unit number and is not no address and Transunion has showing on my credit report address that is in error. correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion has address that is not my address correct. Transunion runs multiple address of the same address over and over. This address was in 4 different ways in a address.

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 2018-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the 3rd CFPB complaint concerning Wells Fargo Mortgage.

They are denying that monthly payments have been made, for four months or longer each time, This began back in XX/XX/XXXX, and is still continuing. 
They are reporting to credit agencies that I am not making payments, which is impacting my credit score.  They have declined in past complaints to add an addendum to the agencies saying that the payments were made on time. 
My latest WF bill indicates that XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX payments have not been made. 
I pay by check at a local branch each month, and each check has cleared quickly. 
I am attaching copies of the checks and the receipts from the tellers. 

Because WF continues this practice, I will be making quarterly complaints to CFPB about payments not credited within a month 's time.

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with experian all I got was a chnage of a late payment from XX/XX/XXXX toXX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over XXXX reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years

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 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, My wife and I researched credit cards after we got married to move from individual to joint financials. We found the American Express Blue Cash Preferred Card online and deemed it to be the best suited for out needs. The promotion at the time was 6 % back at U.S. Supermakets ( up to {$360.00} a year ), 3 % can back at U.S. gas stations and 1 % everywhere else. The card is normally a {$95.00} annual fee but this particular promotion, on the American Express website, was 1st year free plus a {$200.00} statement credit after the first {$1000.00} of purchases. We applied for the card and were approved. We were thensubsequently charged the {$95.00} for the 1st year membership. We both have called numerous times about the charge requesting the reimbursement. The first call resulted in them opening up a review that took 6+ weeks, we received no call, and they closed it without resolution. After 8 weeks and two statements, and no {$95.00} credit, I called back. This time I spoke with a manager who worked with me on the phone to clarify and find the actual promotion they posted on their website. At first she claimed that no promotion ever existed. They magically, she found it, and confirmed it ran for almost 4 months on their website. She provided me the offer code and confirmed that we did in fact apply during the promo period and that I would receive the {$95.00} credit in 6 weeks. We are now around 7-8 weeks later and still no credit. The promo code I was given is : XXXX Sadly, for Amex, I acutally took a screen shot of the offer as well! Which clearly shows the promotion and terms for the card that we not only applied for but were also approved. 

I have called roughly 5 times and have been given nothing but more delays, empty promises of return phone calls and credits that never happen. This is unacceptable. If you aren't going to follow thru with your promotions they should not be offered. And if you aren't going to follow thru on your own accord, you should definitely do it after someone calls and you confirm as a company you are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion File # XXXX Date XX/XX/XXXX Address Reported on my credit file how does Transunion have me at 3 address in the same year of XX/XX/XXXX living XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and in error I was living in XXXX XXXX the whole year working for XXXX XXXX as an XXXX I see so many errors by Transunion as if the information is created and just put on some one credit report with any proof or documentation from Transunion

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 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I was going to XXXX school in XX/XX/89, and they took all the monies, one day we went and the next day after we gave the monies to the school they were closed, I never finished school, I am on a fixed income and now they are taking it out of my Social security they has been 27 years I have called repeal times about this and I asked because the school closed and I could never finished I was a single mother of XXXX kids and I had to work, I would like to see if they will Reduce the loan amount or even cancel. I am XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I went to check my credit and it said that CBNA did a hard inquiry on my credit.

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
Below is a log of phone calls I've received from Halsted Financial Services LLC of XXXX, IL. Plus two calls I made in return, yesterday and today. Many of these calls made to me resulted in brief voice mail recordings. No message was left, only the sound of a phone center " boiler room '' operation. Every recording sounded alike. I believe that they are being made from a single location, using various spoofed/forged phone numbers. 
XX/XX/XXXX : XXXX SEVEN CALLS XX/XX/XXXX XXXX SEVEN CALLS XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS ; called back once, spoke to unnamed person, told them to stop calling, told me number would be removed. 
XX/XX/XXXX XXXX Caller with accent demanded to speak to XXXX ( unintelligible, perhaps XXXX : I got numerous bill collector calls for him at my previous number! Which was not forwarded to my current number! ) I asked him what company he was with. Refused to tell me, Argument ensued. He hung up. 
I phoned number back, asked to speak to a manager. A person with a heavy XXXX XXXX ( XXXX, XXXX? ) accent came on, identified himself as " XXXX XXXX. '' I told him that he was giving me a fake name. He did not deny that but refused to identify himself. He did tell me that his firm is Halsted Financial Services of XXXX, IL. I told him that I've received numerous calls from various area codes, which I said are forged phone numbers. He claimed that there is a call center for each one. He said that it would take 24-48 hours for calls from the company to stop. I demanded that the calls from Halsted stop immediately. I was given no firm committment to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Case No : XXXX US Bank Fraud Claim XXXX I filed a complaint with the board against US bank. I received denial letters from the bank and contacted the board and the representatives I spoke with each over time assured me that the investigation was still open and that I would be n notified when their investigation was completed. I waited and waited and never received a response from the board notifying me of their response to the investigation. I recently contacted the board only to find out that the board had closed my complaint in XX/XX/2017 response received from the bank ( letter ) '.case closed. There has not been a day that has passed that I have not thought about or believed that the complaint was never investigated by either the board or US bank and I feel that just can not let this go. I want to know what Federal Regulations that US bank states that I did not abide by are. Neither the board or US bank has explained that to me. 

I NEVER gave XXXX XXXX the PIN to my accounts. I DID NOT authorize him to withdraw monies as he saw fit. I did authorize him limited access to my debit card while I was XXXX  but it was only to pay bills by phone and a PIN was NOT REQUIRED for this. Once again, I DID NOT give him permission or authorization to steal my debit card and withdraw any funds from my accounts. 

I want to file a new complaint as I do not feel that US bank nor the board investigated my complaint. I respectively request that the board consider my response to US bank 's denial of my complaint.

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 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
My federal student loans were transferred from Mohela to XXXX XXXX in late XX/XX/XXXX. They were previously serviced by XXXX. I have been in repayment since XX/XX/XXXX on an XXXX plan and have been employed in XXXX XXXX   since XX/XX/XXXX. 

According to XXXX XXXX, Mohela failed to provide any servicing history, including payment history for my loans, at the time of the servicing transfer, even though XXXX XXXX claims to have requested this information from Mohela. 

As a result of Mohela 's failure to provide basic information about my loans, XXXX XXXX states that it can not access any information about my payment history prior to the servicing transfer in lateXX/XX/XXXX. XXXX XXXX is further unable to track my qualifying payments towards public service loan forgiveness prior to late XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 — Problem with personal statement of dispute
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.

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 2018-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014. 
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX  balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within  eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX  as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NJ

Complaint narrative:
I looked at my credit report and found a collection for $XXXX from TEK Collect, this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation