vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Debt collection agency sent debt that does not belong to me to credit bureau. Contacted collection agency, and they were uncooperative and not willing to help. All information sent to them does not match my identity at all. I verified my identity to all parties involved and it was confirmed I was the wrong individual. I made numerous attempts and made numerous suggestions to the collection agency to help them rectify the situation and they were very combative towards me, including the office manager, who was not willing to help. 

I have made 4-5 calls to their office and have been given the run around about the process and how the situation can be handled. They tell me to call someone else, and that they can not help me. 


Please let me know if more information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/19, I deposited a paycheck for {$4900.00} into my Wells Fargo checking account. The check cleared on XX/XX/19. On XX/XX/19, my account had a negative balance for the amount of the check due to returned deposited check and after being on hold for hours I still dont know why this happened. I feel violated. How can a check clear and then be uncleared three months later?

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX law firm out of XXXX, GA stating I owed a debt of {$3200.00} for a Best Buy VISA card ( Citibank NA ). Account ending in XXXX. XXXX XXXX  # XXXX. I attempted to call the law firm on XX/XX/XXXX ( left VM - no return call ), and XXXX multiple times. I was told on XXXX that a Mr XXXX was my case manager and forwarded twice to his voicemail which dropped me back at basic recorded message. I could not leave a message. I then ran my credit report and found out more information. The card was supposedly opened on XX/XX/2018. I called Best Buy/Citibank and they said I would have to deal with the law firm. They provided an additional number and I left a voicemail. This is not my debt.

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 2019-07-08 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
We have spoke to Wells Fargo mutiple time to put the transaction in disoute as it is a fraudulent charge. We spoke to a Rep on XX/XX/2019 names XXXX He attempted to help us but was disconnected. We asked for a supervior on XXXX  XXXX and one was not avilable my call was taken by agent XXXX and we where promised a call back and never recieved one. XX/XX/XXXX the bank states they called and left a voicemail regarding the sisuation but we do not have a voicemail ... Thus far we have not been able to get the charges in dispute. The charges where put on account on XXXX.. I have been getting collection calls regarding payment for this charge which is not mine ... I can not keep calling in getting empty promises. I have a Zero Libility on Fruad charges on this XXXX ... I expect to use the full extent of that

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I make deposit with my bank and it on hold for10 business days. Spoke with Manager of Customer Service XXXX XXXX out of XXXX PA. Very abrasive and do not want listen any think ask about his boss, he give no name saying he will call you back in 3 Business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank ran a promotion last year to open a Business Checking Account and receive {$300.00} bonus. I opened an account in branch on XXXX XX/XX/XXXX for my sole proprietorship business. I received my Visa  CheckCard in the regular mail 11 days later. So, I began, in earnest using my card to achieve the required 10 transactions within the remaining 19 days after account opening. My first use was on XXXX XX/XX/XXXX and it posted XXXX XX/XX/XXXX. The next use was on XXXX XX/XX/XXXX but did not post until XXXX XX/XX/XXXX because merchant didn't charge until items shipped. Every transaction after this posted to the account within 2 days of the charge. Even charges on XXXX XXXX and XXXX XXXX ( during XXXX holidays! ) posted the next day ( not business day ). So, I had a reasonable expectation that my final transaction on XXXX XX/XX/XXXX would post within 2 days to meet the bonus requirements. I waited the required 120 days after the final transaction for the bonus to post. When it never did, I went to the branch to question why. Upon subsequent checking, the bank indicated that my account didn't have the bonus incentive attached to it. I had all the documentation to get that fixed and I waited. At no time was I ever told that they were going to deny me the bonus because the last transaction didn't post until after the initial 30 days had expired - something I had no control over, but the bank did. My expectation was 2 days to post based upon the previous 9 transactions. While I was waiting for my branch banker to find out what was happening with the bonus, I did not have the use of my funds without jeopardizing the potential bonus or paying a monthly fee. I had to keep the account open another 3 months just to be told XXXX XX/XX/XXXX that I was not getting the bonus. At no time prior to this was I ever advised that I wasn't getting the bonus. Seems pretty shoddy that a bank that wants me as a customer would not, in this case, overlook their failure to : 1 ) get me the Visa CheckCard within 5 days ( which is normal according to branch banker ) so I could start my transactions sooner, and 2 ) to post a final transaction to the account within the normal 2-day time frame and award the bonus, at least, as a goodwill gesture to keep a customer. 

In the promotional literature with the bonus advertising, Regions says their goal is to be my new bank and that once I experience their award-winning customer service, I will become a long-term customer. Ain't happening.

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 2019-07-08 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 went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account XXXX Acct XXXX, XXXX, XXXX and XXXX   XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX/XXXX   XXXX I XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: World Omni Financial Corp.
State: FL

Complaint narrative:
1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XX/XX/XXXX/beginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from World Omni saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid my Bloomingdale 's card off on XX/XX/XXXX, in which reflected the current full balance. After the balance was paid, Bloomingdales issue an interest fee. Unbeknownst to me, in XXXX I find out the email saying I have a negative mark on my credit score. I contact Bloomindales to inquire and was told the account in overdue for interest plus late Bloomingdales agreed I should not have been charge the interest fee and late fee because the account was actually paid off was waived the late fee and interest payment. However, they did not contact the credit bureau to remove the deliquency from my report.

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 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
RE : Requesting a Method of Verification Letter Dear Sir/Madam : I recently received a response to a dispute that I made under FCRA 611 ( a ) ( 7 ) regarding an erroneous item on my credit report involving a transaction with, Medical Business Bureau Partial account # XXXX Collection {$760.00} XXXX XXXX have no record of this account. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect Medical Business Bureau should be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payed XXXX XXXX XXXX  XXXX {$540.00} I have enclosed a copy of the Explanation of Benefits. 

So I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
DISPUTE/XXXX I leased a phone with XXXX company in early XX/XX/XXXX from an agency in XXXX XXXX, Washington, XXXX. The agency told me that I could return the phone if I was not satisfied. I was not satisfied and so I returned the phone before the expiry of the given 14 days. I was charged XXXX dollars as restocking fees. I received a bill in XX/XX/XXXX of XXXX dollars. I disputed that reminding them that I had returned the phone and even provided them with a receipt number of my payment.They promised to look into the issue but instead of resolving it I continued to receive more bills which so far have amounted to XXXX dollars. The Diversified consultants took me to debt collectors on XX/XX/XXXX. I wrote to the consultants on XXXX thru XXXX XXXX firm but I have not received any feed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education   Please remove these accounts from my credit file.

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 2019-07-08 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET EXPERIAN SAYS NO GOOD PAYMENTS AND XXXX DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.

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 2019-07-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is an account on my credit report with at least 7 errors that I have been disputing. Experian sent me a letter today saying that they were not going to reinvestigate my dispute at this time. I have sent them all of the necessary proof of the errors and nothing has been done. My name is spelled incorrectly on the letter sent by Experian as well.

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 2019-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loans are w/Nelnet transferred from XXXX XXXX, XXXX XXXX leader stated XXXX XXXX stated base interest rates were 6.8 %, majority of my loans were 3.+ %. I have applied for a XXXX Loan Forgiveness but they are asking for documents I have already submitted. This has been going on since XX/XX/2019. One young man told me their processing time is so long because they are short handed. They also payments should be {$73.00} and not {$95.00}. XXXX made up a story that I paid an overage which could have occurred when XXXX XXXX had my Loan. Nelnet is making up lies and will not put their explanations in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XXXX XXXXbeginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from XXXX XXXX saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.

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 2019-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a Bank of America credit card.

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 2019-07-08 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: NC

Complaint narrative:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET XXXX SAYS NO GOOD PAYMENTS AND TRANSUNION DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.

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