vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Safe-Deposit Box # XXXX Wells Fargo Bank, XXXX SUMMARY Wells Fargo refuses to refund my safe-deposit box fee, promised to me by customer service in a XXXX, XXXX recorded phone-conversation. Nine months of prorated rent should have been recompensed to me ; however, I received no promised return calls or communication on the subject -- in any manner. 

OUTLINE I. On XX/XX/XXXX ... I rented a safe-deposit box from Wells Fargo in XXXX, NJ XXXX ... : In XXXX of XXXX, I called Wells Fargo to inquire about when the rental payment was due for that year ; I wanted to decide if I needed to keep it open, as I was moving out of state. 

A. The rep told me not to worry -- that I could close the box before the annual rental date -- and get a refund for the unused months. Therefore, I decided to pay the year on that box, in case I needed to store something in it temporarily, before my out-of-state move. ( This was an as-usual recorded conversation. ) 1. I did not have to use the box after all ; in addition, that box was empty the entire time I was renting it out. When I visited the office to close the box, I asked when/how I would receive my three-quarters ' of a year 's worth of prorated refund : The teller told me that I had no right to a refund?! 

i. Though I argued with her, she advised me to keep it open " temporarily '' -- and call customer service to resolve the issue. After many days of calls and promises ... customer service never attempted to resolved the issue in any way ; never returned my many-many calls or followed up on this theft. To date, nothing has been done to remedy the problem. ( This was an effort of weeks during a time I was under undue burden from a traumatizing move. ) LEGAL BREACH II. This was a verbal contract, that they know existed from listening to the customer-service calls back in XXXX : Wells Fargo is fraudulently keeping what was about {$130.00} of my refund -- without so much as a phone call to deny my legal request for reparation of those funds. 

B. I now live in XXXX XXXX and still am stuck with the keys to an empty safe deposit box : Though I changed my mailing address at the bank location, I just discovered NO ONE updated the information on my account ; this means, they have been sending my statements to my old address -- where a greedy land baron now resides. 

C. The way it stands : Wells Fargo is keeping my promised refund, which is a breach of a verbal contract. It is a bank, so they are greedy by definition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
This company calls every hour ob the hour switching between 3 different phone numbers. If I don't answer one # they hang up, and call right back with different number and if that does not work they call private. Calls are starting at XXXX everyday including Sunday. This is unacceptable and I've asked them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a victim of identity theft and somebody applied for a XXXX XXXX XXXX XXXX credit card account ending in XXXX. The account is a fraudulent account and dont belong to me. I have never applied for a credit card account with Chase. I would like to apply for an account with Chase Bank, but Chase will not accept any credit card applications from me due to the fraudulent account thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Years ago I had bills and credit lines in my name but I was never aware. 
XXXX of XXXX I applied for an auto loan and found out I had lines of credit from before I was even XXXX years old! XXXX I allowed my younger brother to use me as a cosigner for an apartment and he bailed on me with 6 months on the lease. Little did I know, I was volunteered as a cosigner on my brothers previous lease that he broke because of an internal issue with the complex. Once that lease was broken only thing I knew was that " the apartment would take the hit and he owed nothing. '' XXXX I bought a new vehicle for my commute from XXXX XXXX to XXXX for school. Once my mother was diagnosed with a XXXX XXXX I wasn't able to attend school or work for about 4 months which lead to me dropping out and losing my job. Once this happened I completely fell off on handling my responsibilities, which is a mistake I know not to make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American express wont change status of account to paid in full after and agreement was successful completed and i paid in full debt. 

Debt currently has XXXX when my debt should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with Bank Of America XXXX 14 Years ago.In XX/XX/XXXX I enrolled in National Debt Relief program to be able to pay my bills off. I was having a financial hardship.After enrolling I put stop payment on all XXXX XXXX deduction The date was XXXX XXXX. I had three other accounts that I allowed them to get payments from my account. I contacted all three and gave them the information of this Debt company. On XX/XX/XXXX The bank allowed XXXX   XXXX to once again take XXXX from my checking account I disputed this the bank gave me my money back.I put stop payments on this account to prevent this from happening in enough time. The bank told me th change my debt card. I did that and on XX/XX/XXXX The bank allowed this to happen again.XXXX deducted.The company got the money by changing their name to XXXX XXXX I disputed this the bank put it back in my account. On XXXX XXXX. The bank once again. Took this money from my account.This is fraud This company name is XXXX XXXX not XXXX XXXX The bank is wrong to give them my money. I have been on Social Security for 14 years and I put my trust in this bank. That money came from my disability check.

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 2019-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, Ok XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
Way Point Resource Group which was originally XXXX I guess it's been on my credit for at least 5 years now but it's saying it's only 7 months old they keep bumping it to a different debt collector so that it keeps the debt open I don't even know of this and when it was established or what residence it was at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.

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 2019-04-14 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In the process of viewing my credit report due to bankruptcy  and creditors changing information, Fair Collections and Outsourcing had not updated their information correctly. This account is listed in a active bankruptcy and needs to reflect as so or be removed permanently. At this point of time the account is showing as opened and consumer disputed this account and confirmed with accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Maximization Group, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX mailed my original letter XX/XX/XXXX the mailed me the breakdown of my services and that's a hippa violation XX/XX/XXXX mailed hippa letter to them and they signed for it XX/XX/XXXX XX/XX/XXXX heard nothing back XX/XX/XXXX mailed them a letter and they signed for it on XX/XX/XXXX ( currently waiting )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Berlin-Wheeler, Inc. (Kansas)
State: DC

Complaint narrative:
Berlin Wheeler - KS contacted me via telephone about a debt for XXXX XXXX account. The account is for cable service provided to a home in Oklahoma. I have lived in Maryland for over twenty years. The service ended up being for an address that is occupied by a family member. I agreed to pay the debt to avoid my credit being damaged. Once I provided them with my address in Maryland  they immediately filed the debt on my credit report the same day. 

Prior to their telephone call onXX/XX/XXXX, I had not been given notice that they were attempting to collect a debt, which would have allowed me the opportunity to address the debt or dispute it. 

When they contacted me via telephone they never mentioned that they would be filing this on my credit. I assumed that since I agreed to pay that there would be no further action. Again, this is not my account but an account that was opened for use by a family member.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX pickup and a XXXX XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs. 
2. The box truck was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a 2007   XXXX XXXX XXXX pickup and a 2007  XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash.

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The box truck was considered commercial and could not be financed.

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING.

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The XXXX XXXX was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

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 2019-04-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
after carefully reviewing my credit report and Wells Fargo Card Services has not updated the credit account to included in bankruptcy with a XXXX balance. Per the FCRA if an account is listed on an active bankruptcy then the creditor needs to update the account as included in bankruptcy with a XXXX balance and/or list is as closed and remove the account from the credit bureaus.

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 2019-04-15 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: OH

Complaint narrative:
Transunion did not address the full issue. I did not ask if the account was sold to XXXX XXXX! I stated that XXXX XXXX accounts do not belong to me. I found out that the account belongs to someone else that has a different address. XXXX XXXX have demographic information on the erroneous accounts that do not belong to me. Please verify the name of the person who transunion spoke with at XXXX XXXX that verified this account belong to me, please provide a copy of the original contract from redrock showing that i have a legally binding contractual contractual obligation to pay them the exact amount with my signature, the description of the procedure used to determine the accuracy and completeness of the information, name, address and phone number of the person that was contacted regarding this alleged account. By law when disputing an account it should not be showing on my credit reports. reinvestigate these account thoroughly!

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 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC

Complaint narrative:
On XX/XX/2019 I tried to cash a refund check for {$540.00} from the state of California. It was declined, and I was refused any reason or any kind of answer of why from Certegy, except go somewhere else. Although I tried three times, receiving 3 reference numbers, they were unable to bring it up on their system though their system was still declining and issuing out reference numbers. After over an hour of asking for a supervisor I was finally connected with one to tell me Im more than welcome to go somewhere else.

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This account is reporting incorrectly. I never payed late and this is reflecting 2 30 day late payments. One on XX/XX/XXXX and one XX/XX/XXXX. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payment status this is hurting my ability to obtain credit, and report them as paid on time. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: SC

Complaint narrative:
XXXX # : XXXX Please review the attached documents supporting my claims. I've called before after I mailed in my disputes but was greeted by someone who was not location in the USA. So I knew they had no idea of my previous claims, and of course they could not locate my files. I have been a victim and would like the correct actions to be taken to remove these items from my credit 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 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I made arrangements with Resurgent CAP SRV once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.

Company response to consumer: Closed with explanation