vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Last XX/XX/2018, my credit card limit was only {$1000.00} plus the interest of about {$100.00}. I had used my credit card limit of {$1000.00} only plus the interest of approximately {$100.00}. In XX/XX/XXXX, I could not pay the full amount of interest. Then at the end of the month XX/XX/XXXX, Wells Fargo decided to charge my credit card of approximately {$2500.00} out of nowhere. I called customer service in mid XX/XX/XXXX, spoke to a XXXX, who was of no help. He could not explain the jump of {$1500.00} added on my {$1000.00} credit limit. And every couple of weeks or so, {$100.00} was added and it keeps adding. In mid XX/XX/XXXX I spoke with a couple of women on the phone, last XX/XX/XXXX and XX/XX/XXXX, who kept telling me that I had a credit limit of {$2500.00}! I explained my credit card limit of was {$1000.00}, it made no difference to them. They said that I had charges of {$2500.00}. I asked to send me the so called charges. They sent confusing pages of mostly charges and fees. Then recently last XX/XX/XXXX, I spoke to another Wells Fargo representative, who could not help me because he didn't know what to say. I'm wondering if they mixed my account with someone elses account. My credit card account was closed about five months ago. But Wells Fargo keeps charging my closed account with fees and charges. Now, my credit card has a balance of {$3000.00}! Now, I have {$2900.00} in charges that I do not owe. 

I am a senior citizen on a fixed income and I would never agree to a {$2500.00} credit limit. I only agreed to a {$1000.00} credit approximately over three years ago. So either Wells Fargo is having a computer glitch, my account was switched with another account, or I am the victim 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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Received a letter staing i owed monies to the XXXX XXXX XXXX. Contacted the company sent over affidavit and explained this was part of identity theft. No one at National Credit could assist me once they knew i was calling in with information to dispute said errors. I have mailed the police report and affidavit. the representatives are always rude and I am always being told that I have to speak with Mr. XXXX at XXXX XXXX. I never get a call back and after my 18th call and he was unavailable. I do not want his on my credit. This is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello, I recently applied for a credit card and was denied due to the reason that there was an open account with XXXX XXXX department store with a delinquent status on my report. I have never applied for nor am I on any account associated with XXXX XXXX. I believe that this information was falsely reported under my credit report because my mother and I share the same name and at one point the same address. She in fact does have an account with XXXX XXXX. I'm requesting that this wrongly reported account be removed from my credit profile. It is negatively impacting me and I have no affiliation with 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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX & XXXX of XXXX. How is that possible? I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to BMW, I was. This must be some kind of error because since XX/XX/XXXX when I started this lease, I have always maintained a on-time payments and always pay more than the minimum payment. But yet, I was reported 30 days late twice? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have the prepaid card bluebird by American Express, I asked them to close the account and they refuse to do so because there is a XXXX XXXX Ballance on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested a sign contract with my signature verifying the amount owed.and for what i owed {$110.00} the FCRA law require the Notification be available. this is my second attemp I ask that information be available within seven days that i may veiw the information if not available remove the information from my consumers file and stop reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I went online to get my free yearly credit report which I have not done for several years. 
I was able to get my report from only one company out of the 3 which I was told the reason was ( A  condition exists that prevents XXXX from being able to accept your request at this time. ) I see a lot of complaints online from people saying the same thing. 
Only XXXX was able to give me their report. Neither Equifax or XXXX would help.I am just trying to see who has a cell phone in my name which I just learned from XXXX on XX/XX/XXXX/19 while buying a new cell phone online. Today is XX/XX/XXXX2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I send money via XXXX which is link to my Chase Freedom Credit Card I send money to XXXX XXXX for {$600.00} I did not purchase or receive any kind of Service. 
I was chatting with a person in the Internet and I was told in order to set up a meeting I would need to send money for {$600.00} to XXXX XXXX. 
Later I discovered that it was a complete Scam there is no meeting. I Immidietly inform my Bank Chase and XXXX to cancel Transaction. I was issued a Refund via Chase Freedom and the Transaction was canceled. 
Then on XX/XX/XXXX Chase Freedom process the {$600.00} Transaction of the money I send to XXXX XXXX and the refund was canceled. 
I called and set up a complaint. Chase is in Favor of XXXX claiming charge is Valid. 
I set up a complaint. XXXX didn't want to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

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 2019-03-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: MD

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX CARD 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 2019-03-04 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: MD

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: MD

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: MD

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX 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 explanation
Consumer complaint received 2019-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX  that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.

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 2019-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent an email requesting that a goodwill adjustment be made to my credit reports for XX/XX/2018 for my Capital One payment. The reporting was fixed on my reports for XX/XX/2018 ; however, my XXXX  report now has the 30 day late showing for XX/XX/2018. I have made numerous attempts to call my contact at XXXX. using XXXX as the 6-digit PIN with 7-digit extension of XXXX. I have left the number to use to contact me but I have not yet received any returned calls. 

Again, I've expressed my concern with this issue and I would like to maintain my relationship with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Experian and XXXX and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates

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 2019-03-04 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:
I have written numerous complaints, so that the court will be replete of the efforts I've made to fix this situation. Experian continues to report a fraudulent account despite the fact the other two credit reporting agencies have BLOCKED the account years ago. Experian originally did, for some 3/4 years and without notification unblocked the account. I have substantial proof they violated the law, I am at wits end with trying to remedy this issue. Additionally I've spent XXXX on attempting to fix it. I have receipts and am a member of a class action initiated with Experian and will recoup my Funds. This XXXX XXXX XXXX account is patently illegal and Experian had blocked it once and now for reasons they refuse to provide will not causing me irreparable harm.

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 2019-03-04 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief