vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
LET ME BE VERY BLUNT. I have been a loyal & happy Wells Fargo customer, until this matter & how it has been ( NOT ) handled. Long story short, I have been paying DOUBLE the required payment by auto payments in order to retire the payment plans by the end dates. When I logged on to check my account in XXXX, in anticipation of making a final payment, I discovered that WF had charged my account almost {$2000.00} in deferred interest ( plus monthly interest ), effectively doubling the remaining balance due, all because of internal allocation. How can I possibly be charge so much interest, when the total payments to date well exceed the balance on the " offending '' plan? Simple answer : IT SHOULD NOT!! I have spent a considerable amount of time with a Customer Service Rep who confirmed the error and that it would be resolved in a few days. That representative even refunded the " monthly interest '' that was incorrectly applied. Fast forward to now, MY ACCOUNT STILL HAS NOT BEEN FIXED, and I have wasted countless hours on hold, spoken with at least 3 WF representatives, sent at least a half dozen emails, and wasted almost 4 WEEKS. WF has failed to respond by fixing the issue, or telling me why they can't. I understand being short staffed due to COVID-19, but this is so egregious and has gone on so long without resolution, that I am starting to feel quite abused and mistreated. This is not a hard fix if they would just do it, but clearly they do not see this as a priority. I need a swift resolution to this so I can make my final payment ( s ). 

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 monetary relief
Consumer complaint received 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE BANK USA N {$560.00} 75 % usage 3 late payments, CAPITAL ONE BANK USA N {$530.00} 59 % usage 4 late payments KOHLS/CAPONE {$0.00} 0 % usage 1 late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 Bank Of America restricted my account and froze it due to the possibility of fraud. It asked me to review recent transactions and call them immediately. Nothing seemed out of the ordinary. I have tried calling every day ; it is now XX/XX/2020. Every time I call I wait over an hour for no answer. They do not have any other way of contacting them. There is no email ; and their online robot does not help and is not equip to address this type of issue. My account has now been frozen for four days and I can not access or receive any of my money. This is not fair. Their only means of communication is phone and they will not answer. There is no call back number. If you check Bank of America XXXX page everyone is having this issue where they are not answering their phones or customers.

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 2020-04-08 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:
I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.

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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened an account with Chase and deposited Cash {$1600.00} into it. They closed the account saying that I hadn't provided some information, by sending me a letter. I was given a number to call to provide said information. The number says that I have a 15 min wait time, and then puts me on hold for an hour without an expectation of how long I have to wait. I'm calling regularly until I have to hang up after more than an hour on hold. They basically stole my {$1600.00}. 

I have no number or email that I can try to get an answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-04-08 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: NC

Complaint narrative:
I previously sent Experian a dispute letter attached with a police report and a FTC identity theft report, letting them know that I was a victim of identity theft ... I also sent extra documentation to show Experian that I am who I say I am and those documents were as follows : the latest utility bill ( light bill ), my last pay check stub, proof of address and residency signed by Property Management, a copy of my driver 's license and Social Security card. After I sent Experian all these documentation to prove my address and that I am who I say I am they still tell me to send more proof but I sent them all the proof that's required so now I'm complaining after I sent my second letter in to them.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I filed a complaint against Equifax. Since that time, Equifax was supposed to be verifying that the information on my credit report was accurate. Unfortunately, after I filed the complaint, my credit score has dropped nearly 30  points, as opposed to the other 2 credit bureaus ( XXXX  and XXXX  ) who both have increased my credit score. There was no reason my score would have decreased so drastically only out of retaliation from my complaint. I have also had a secured credit card with open XXXX  XXXX  XXXX  since XXXX. Equifax has failed to acknowledge that on my credit report now. I lost my credit card in XX/XX/XXXX, and was reissued another card, but Equifax doesn't acknowledge my positive payment history over the last 2 years. Each month my credit with Equifax has dropped, with Equifax and I am unsure why. My credit score with Equifax is XXXX, there is a nearly 70-123 score difference. Equifax also continues to have an address on my credit report that is a fraud alert, as I have never ever lived at the address!!! ... .This is a continued reluctance on the part Equifax to do its due diligence and report accurate information on my report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX  XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX/XXXX  {$0.00} 0 % usage 1 late payment

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 2020-04-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX    XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX {$0.00} 0 % usage 1  late payment

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 2020-04-08 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: TX

Complaint narrative:
ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX inquires also for the above accounts

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 2020-04-08 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: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.

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 2020-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
As a result of the CARES Act, I have contacted my loan servicer, Mr. Cooper, about deferment for 3 or 6 months of my VA loan. I am unemployed and my wife 's income alone can not pay the mortgage for now until I am able to get a job. Mr. Cooper is only allowing forbearance and they are informing customers via their website that will not extend the mortgage the amount of missed payments but will seek full payment of the amount in forbearance. I also called and confirmed this with their customer service. This is not, as I understand, the spirit of the CARES act. Our credit is impeccable and have never missed a payment or been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
Hello CFPB. Can you please forward the following documents to Bloomingdale. Thank you!

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 2020-04-08 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: MI

Complaint narrative:
Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.

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 2020-04-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Equifax and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Equifax thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that without any proof, incredible? When I contacted Equifax I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX along with proof of signature receipt from the USPS, and they answered through paper mail, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Equifax to remove this information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.

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 2020-04-08 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: NV

Complaint narrative:
These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lvnv funding llc XXXX XXXX XXXXXXXX same as lvnv vunding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account

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 2020-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of XXXX, an attempted identity theft of my information resulted in me getting a credit report from all three reporting agencies. At that time, Equifax had my correct date of birth. Then in XXXX of XXXX, I was informed by my credit union that Equifax had the wrong date of birth for my information. 
When I try to get the date of birth corrected, Equifax tells me that I need to submit documentation to prove that I am " me '' and my social security number and my date of birth. 
If documentation is required to correct the information, then how did the date of birth get changed to the wrong date! Where is the documentation that caused that change? Who submitted the incorrect information? What protection does Equifax provide to ensure that this error can not happen again? 
I am submitting this complaint through the the Consumer Financial Protection Bureau in order to get questions answered and to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: IL

Complaint narrative:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX  never responded to their request. XXXX, Experian nor XXXX   has sent me the Method of verifying this information.

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 2020-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Group, Inc. (MN)
State: IL

Complaint narrative:
The payday loan debt was sold to RMG Systems, XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX,. RMG fraudulently reported to XXXX  credit reporting agency that the debt was for a revolving credit account and had the account added to my credit file. The debt was for a payday loan. I contacted RMG and was told they can not remove the information. I would like to know what can be done to a business that fraudulently labels accounts to have them added to consumer credit reports.

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
Initially, I was receiving a large number of emails about being qualified for " Netspend Premier / Debt Card, and after a couple weeks of these emails, I receive an actual " Debit Master Card. 
The enclosed literature informs me that XXXX HAS OPENED an account under my name with a routing # & account #, None of which I authorized. 
Having been previous victims of Identity Theft, I don't care to have any solicitations that I have not initiated. 
Your assistance in this matter is greatly appreciated.

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