vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: WI

Complaint narrative:
I have called on sereveral occasion, XXXX XXXX XXXX  would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XX/XX/2018, XXXX XXXX and XX/XX/2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX and broke the law. We filed XX/XX/2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted my homeowner 's insurance company in regards to hail damage. An insurance adjuster came out to assess the damage and informed me that I would need the entire roof replaced. My roof is leaking in various areas throughout my home, more extensive damage is the ceiling over my garage. I hired a roofing company to replace the roof in expectation of an insurance claim check. The insurance company ( XXXX ) sent me a breakdown of the cost and informed me the check would be sent to my mortgage company, Wells Fargo, to release to me. I contacted Wells Fargo and they informed me that no one can talk to me because of the lawsuit I have pending against them. They are holding my claim check for roof repairs hostage and will not release them because of the lawsuit I have against them. Meanwhile, my roof leaks whenever it rains. My fear is the roof caving in on me and my wife while we sleep. This is a terrible situation that I am in. I am XXXX and I think they are treating me bad. Can you help me?

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.

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 2019-02-27 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: TX

Complaint narrative:
XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.

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 2019-02-27 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: AES/PHEAA
State: ND

Complaint narrative:
I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
Back in XX/XX/XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XX/XX/XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX XXXX showed it as a charge off on my credit. This was back in XX/XX/XXXX and XXXX  keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I have received a letter in the mail stating our loan has gone into initiating a forclosure. 
I signed up for bank draft on XX/XX/2018 via email. I filled out their bank draft form and mailed to the address stated on the form. I thought this amount was being drafted every month. I received no phone calls telling me otherwise. Im now going to over night a check to this company in hopes of repairing the state of this loan. 

Also, I spent XXXX minutes on the phone with my loan care/cashcall. I finally hung up. XXXX minutes is a ridiculous amount of time to spend waiting. After my XXXX minutes waiting I decided to see if there were other numbers I could use to contact someone and it was the same music, the same prompts, the same wait. I hung up on these numbers also. No wonder my mortgage wasnt getting paid every month via bank draft. They probably messed something up on their end. Furious.And where were the phone calls? NO ONE CALLED ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Recovery Solutions
State: CA

Complaint narrative:
I recieven multiple calls from a foreign woman and the information on the voicemail was very hard to hear and understand. but basically I heard that I would be arrested at my place of employment and my debt needed to be paid. they need to hear from me within 48 hours otherwise something else would happen..

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 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: IL

Complaint narrative:
I recently realized that Equifax had not been up-to-date on reporting accurate information across other third-party monitoring agencies. Such as, XXXX XXXX, XXXX, credit check total, as well as their own website ; Equifax.com. I called Equifax on XX/XX/2019 and spoke with four different representatives for over an hour about missing data from my Equifax Credit Report, as well as the other two credit bureaus not being updated on the Equifax website. The four representatives that I spoke with lied and said that it had been added and they can see the XXXX XXXX account ending in XXXX. I informed them that my XXXX XXXX account had not been entered on the Equifax credit report. I let the representative know that I spoke with XXXX XXXX and they let me know that they sent an update to Equifax on XX/XX/2019. The representative made different excuses as to why It wasnt showing on the Equifax website. After speaking with all representatives, no one was able to help me and my Equifax account ia still showing inaccuracies and not reporting Updated information. I have attached documentation that corroborates my story. This seems to be an ongoing issue with the bureau Equifax. There are Thousands of people complaining online about how Equifax has failed to update their credit report in months. They are charging people for monthly credit score services with misinformation on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID

Complaint narrative:
I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges. 
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On XX/XX/ 2018, we made the initial payment on our auto loan from Ally in the amount of {$440.00}. We used our XXXX online bill payment service. Several days later we got an email from Ally saying our payment was past due. After calling them, we decided to pay the initial payment again and work on resolving the problem hoping to get a credit. We consulted with our bank, who provided a proof of payment letter for Ally, which we faxed to them, along with proof that we were the owners of the bank account. We have since talked to Ally on the phone, used their online chat, and sent faxes with the documentation of proof of payment and have been told that the situation would be rectified but to date nothing has happened.

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 2019-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On approoximately XX/XX/18 I received a mailing offering me the opportunity to apply for a Capital One Quicksilver Card. I navigated to the capital one website and discovered there was also a promotion promising a XXXX credit if I am approved for the card and spend XXXX on the card within 3 months. The conditions indicated to qualify I must click apply now on the site. I clicked apply now was approved and spent the required amount within the required timeframe. When I called about my promised credit I was told I didnt qualify for the offer. First I was told it was because I have other products with capital one. When I advised this was my first quicksilver account and the site does not state that I do not qualify if I have other capital one products just if I had an existing account. I advised that because I didnt have an existing quicksilver account I should still qualify. Then the representative changed their tactic and claimed I did not qualify because I had entered in the offer code indicated on the mailing I received. I again explained that nowhere on the site does it state that I could not qualify if I input the offer reservation number. Capital one has still refused to grant the promised credit. They did not clearly disclose that I could not use the pre qualification or that having another capital one product would disqualify me from the offer. This appears to be a situation where the company has advertised two offers and no clear easily understood indication that the consumer is not eligible for one or the other. Bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2019 I sold 2 of XXXX XXXX XXXX XXXX season tickets for {$700.00} to a game I could not attend to, XXXX XXXX. I agreed to use PayPal to guarantee a safe and secure transaction. Having used PayPal many times before I was confident in getting paid. A Paypal request was made to XXXX. Several hours after the money was deposited in my account from XXXX I electronically transferred the tickets directly from my account to XXXX. The XXXX XXXX XXXX confirmed that they were down loaded from that email address. A week after the game was played I get a notice from PayPal stating that XXXX is disputing the transaction stating it was an " unauthorized " transaction. The tickets were transferred and downloaded to the same account as the PayPal payment was received. PayPal should make good on this transaction under their sellers protection policy. XXXX XXXX phone is XXXX XXXX XXXX which has restrictions on and I can't call back. This was a scam that PayPal was a part of. 

PayPal Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: PA

Complaint narrative:
when Equifax got breached in XX/XX/2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. Equifax sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at Equifax 's discretion. If my information would have never been " hacked '' or " breached '' by Equifax I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want Equifax to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party  furnishers but Equifax refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I am filing a complaint against XXXX and More Barclaycard because they are inept at handling a valid fraud case. On XX/XX/2018 I enrolled in an XXXX XXXX class at XXXX XXXX XXXX XXXX for $ XXXX/mo. After the XX/XX/2018 payment I cancelled the class on his website as shown in an attached document. I had no more access to the class website. He continued to charge me every month the {$11.00} and I called Barclay every month to dispute it. He never notified Barclay that the charges were legitimate. I continued to send him emails to his website, the only way to contact him as he is in the XXXX. I also told Barclay every month to not charge me but they did anyway and I had to call every month which scares me because he has my credit card information and could use it for even more. Attached is documentation and a letter I sent Barclay after the XX/XX/XXXX charge by USPS. This can not continue and I want to cancel my card and told them that. As noted in another attachment the XX/XX/XXXX charge is on there, even after I got credit for the XX/XX/XXXX and XX/XX/XXXX charges and credit for the finance charges.

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 2019-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am the executor of each of my parents estates, i.e. Executor for the Estate of XXXX XXXX XXXX XXXX and Executor for the Estate of XXXX XXXX XXXX. 

I sent emails to CapitalOne360 asking to close my parents ' account and to send the closing check for their money on deposit of over {$18000.00} held in the account number XXXX to my law office address. 

The Bank -- CapitalOne360 never responded to my repeated emails and we did not receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All three credit bureaus, XXXX, Equifax, and XXXX are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus, XXXX, XXXX, and Experian are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.

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 2019-02-27 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: VA

Complaint narrative:
I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.

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 2019-02-27 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: LA

Complaint narrative:
Experian is incorrectly reporting my XXXX XXXX account as revolving instead of an installment account. This inaccuracy is hurting 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