vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX  ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.

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 2020-12-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My USBank CD for {$100000.00} matured on XX/XX/2020. This was a transfer account from XXXX XXXX XXXX  I call the XXXX XXXX /USBank number at XXXX on XX/XX/2020 in the 10 day window for CD instructions prior to maturation. I spoke to XXXX who took my instructions to transfer the balance into my savings account. He confirmed this would take 7-10 days and a letter would be sent to confirm. No letter was ever received. 

I called on XX/XX/2020 to the number above and spoke to XXXX. After discussion and hold time for her to confirm actions to be taken the call was disconnected. I called back same day and spoke to XXXX at XXXX XXXX  AZ time. She confirmed my requests was " done '' and action would reflect in 7-10 days. 

I went online today XX/XX/2020 and the CD information no longer appears and the money was not transferred into my savings. I called number above and spoke to XXXX who confirmed that the CD was closed and a certified check was sent. Since the CD was closed they can not stop payment and take the requested transfer action. This check will not be received for ANOTHER 7-10 days. US Bank has denied me access to my funds for what could be a total of 19 days!!!

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 2020-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 a Total of {$15000.00} dollars was wired transferred to XXXX and the amount I was given in writing to be received was {$300000.00} pesos with an exchange rate of XXXX. However, the amount received ended up being {$290000.00} pesos. The following day I went to Wells Fargo and to resolve the issue they took an additional {$560.00} from my account and wired transferred the additional {$560.00} dollars which was {$11000.00} to offset the difference while they investigated the issue. On XX/XX/20, Wells Fargo credited {$280.00} dollars as a courtesy into my account stating that because I requested the wire to go out in dollars they wired the money in dollars and that the note that was given to me with the {$300000.00} pesos would have been the amount received if I had requested the amount to go in pesos. This response does not make sense, please help as this seems that they are deliberately misguiding and defrauding their clients.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2020 I went to make my monthly payment on my Synchorny XXXX XXXX XXXX  Card and was prompted that my account had been closed. My monthly payment is not due until XX/XX/2020 but I paid it early. I generally pay on it bi-weekly just to make extra payments and keep interest down. I paid on XXXX and XXXX. I called customer service and was told that I received a letter in the mail stating why my account was closed, which the rep said it was closed on XXXX. When I paid on XXXX XXXX my account was not closed. I never received a letter just the monthly bill. The representative told me they pulled my credit report to see what I was spending my money on and made the decision to close it. I explained to her that makes no sense for a company to continue to pull my report like and cause my score to drop by doing so. I asked for a manager so I could get the information on filing a report. The manager decided to argue with me stating " how do I think we receive increases on cards ''. I explained to her you receive increase based on your credit payment history with the company not from them pulling your credit report. She refused to give me the consumer complaint information to make a complainant and continue to try and argue me. She then stated they mailed a letter on XXXX, weeks after the initial rep said it was closed. I have not missed a payment on my account and my account is in good standing yet they have closed my account and caused my credit score to drop 54 points by doing so. From the complaints filed with the XXXX  they have done numerous people like this within the last 6 months. Someone has got to do something about this. They are ruining our credit closing accounts like this.

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 2020-12-03 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was on a payment plan with commenity bank which for no reason removed me from the plan where i was making minimum payments up until XXXX and began harassing calls. I get about XXXX calls daily as early as XXXX until XXXX and theyve been calling friends and unknown individuals with the same last name that i do not know trying to reach me and disclosing information about a debt owed to them in collections and leaving their numbers and well as voicemails with numerous individuals to contact them regarding a balance and debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I payed of my car loan with Wells Fargo on XXXX XX/XX/2020. I have called Wells Fargo only to be hung up on XXXX time. After I talk to a phone agent. I her about have issues with Wells Fargo not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need Wells wto report my account pay. ASAP!!

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 2020-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
I fell about XXXX payments behind in earlier XXXX. I was offered a loan repayment option to catch up over the next 4 months leading up to XX/XX/XXXX. In XX/XX/XXXX upon making a payment, the option online was not available, which lead me to call the mortgage company. They explained that I was to return some document that I never received and then provided me a loss mitigation application packet, in which was not received until 2 months later. Once received, the mortgage company began to ask for additional documents that were not part of the requested documents. Additional documents were sent once they were available ( taxes for XXXX & XXXX ), but then the mortgage company requested to resend the loss mitigation packet, additional documents ( such as pay stubs, bank statements ) claiming they were expired and/or outside of their timeline to complete the application. Again, this has been going on since XX/XX/XXXX and here it is XX/XX/XXXX and they are still asking for me to resend documents that they already have. I have been patient, but I am beyond aggravated with the process and the mortgage company! As a XXXX, I can only imagine how many other people, ( Veterans and/or Civilians ) that this company is taking advantage of. This has seriously affected me and my wife 's credit score ( no payment has been made in over 12 months due to lack of this company 's standard process. Please help me! This company should not be servicing our 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 explanation
Consumer complaint received 2020-12-03 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This account is reported inaccurately and I have been disputing it for a long time. I am not surprise by the results because I do not think they are taking me seriously. I have come to you to ask for help regarding this account because it is reported differently across the bureaus. All I want is to get this removed and know why is this in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

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 2020-12-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: OH

Complaint narrative:
Early in XX/XX/XXXX ( XXXX or XXXX. ) i received a call from Credit Protection Association, based in XXXX Texas. The agent informed me it was a debt collector and the call was in regards to a utility bill from New York for {$800.00}. I explained I never lived in NY. He asked if my last four of SSN was XXXX. I said no. I noticed in XX/XX/XXXX my XXXX  went to XXXX after many years at a high of XXXX the debt got posted on my credit report. XXXX XXXX XXXX wrote on my behalf and in XX/XX/XXXX my score went back to XXXX and the debt was removed. Now on XX/XX/XXXX XX/XX/XXXXXXXX XXXX a debt collector out of XXXX XXXX MN has the account and posted the debt on XX/XX/XXXX. Again my score is XXXX. I have explained this to them and now my SSN is attached to it. Someone along the way has changed the SSN.I have talked with XX/XX/XXXXXXXXXX/XX/XXXX XXXX they can't tele how account was opened, they can't tell me if they did a credit check like most utilities. XXXX XXXX XXXX can not give me details of the debt, just the amount. I do not owe this, and I have never lived in NY. XXXX XXXX has never initiated a calll to me and has never communicated that they intended to post on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Apple Bank suddenly decided to close their branches, claiming due to covid, while other banks remain open, depriving me of access to my banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am having issues with harassment calls from XXXX XXXX XXXX, headquartered in XXXX, Tennessee. Before I go on, my payoff amount is {$1000.00}. This complaint is in regards of the leftover {$110.00} amount on my account of this month. I have called this firm before XX/XX/XXXX warning that I am not going to make the full payment but agreed to set up an automatic {$130.00} partial payment on XX/XX/XXXX. The payment went through. Today ( at XXXX XXXX CST ), I got a call from the same firm ( " spam risk '' on the Caller ID ) demanding the other {$110.00} through an automatic payment and I told them Saturday. However, I was told that I can call to make the other payment at any point that I am ready, but I did not appreciate this sudden harassment that my bill is two days late. I was also told previously that if I needed to make another smaller arrangement to call before the due date. I am going through hard times with the COVID-19 pandemic ( although I am on Supplemental Security Income ) and do not appreciate this harassment especially as a " spam caller. '' I know that I have the right not to give out my Social Security number to a collector, but their policy is to ask for the last four digits of the customer 's Social Security number over the phone. I do not appreciate this harassment after an agreement was made and I want to ask the company to stop all communication with me and have a heart with people on Social Security. If I got extra money, I would pay more on the principal to get my monthly bills to an affordable rate. I have the right to file for bankruptcy if this company does not want to respect my privacy by not stopping calling me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Instarem PTE Limited
State: HI

Complaint narrative:
I used INSTAREM to send money from my XXXX XXXX  Account to my XXXX XXXX  Account. 

I believe I gave all and answered all the requirements needed for me to do so. 

However, INSTAREM cancelled my transactions and blocked my account without warning or reaching out to me. 

The only explanation given is due to internal regulatory policies that can not be disclosed.

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 2020-12-03 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: TN

Complaint narrative:
I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.

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 2020-12-03 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: TN

Complaint narrative:
I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.

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