vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call. 

I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call. 

I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately. 

I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: GA

Complaint narrative:
Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : XXXX, SXXXX

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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX I deposited a check in the amount of {$1000.00} to my Wells Fargo account via mobile deposit. On XX/XX/XXXX of XXXX, Wells Fargo removed that money from my account. After speaking with multiple bankers they told me that the physical check had been deposited in another Wells Fargo account completely unrelated to mine on XX/XX/XXXX through an ATM, despite the check having my name and signature on it. 

They told me that because of regulations, the physical check always takes precedence over the mobile deposit, so the money was transferred to this other person 's account. On top of that, because their terms of agreement states that they are not liable for any checks that are cashed without verification, they would be unable to put the money for my check back into my 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 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Just refinance house with cashcall mortgage, they are withholding funds from the loan. I have the payoff amounts on my house, and they overpaid and should have to reimburse me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NY

Complaint narrative:
Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.

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 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I filled out an application for an apartment on XXXX that is located in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The supposed property owner XXXX XXXX   had stated he will be traveling and could mail the keys to me. As I am currently in XXXX and will be moving XX/XX/XXXX  to XXXX. He asked that I send $XXXX  to his partners Venmo Account XXXX XXXX venmo  name XXXX OnXX/XX/XXXX at XXXX XXXX. I sent $XXXX. The venmo   app said the payment was incomplete so I sent another payment of $XXXX at XXXX XXXX( 2 minutes after the first payment) Both payments went through and the second one was my mistake. User XXXX XXXX XXXX is stating he has not received either payment and it has been drafted from my federal credit union account on Monday XX/XX/XXXX I even called Venmo and an agent has stated the payments have gone through to a bank account ending in XXXX, however XXXX  keeps telling me to contact Venmo, saying XXXX XXXX account is frozen. That he has not yet been able to have access to the funds.I have been sending a request to XXXX XXXX from the venmo app for him to send back the money but the app says to contact him, stating the transaction could not be completed. I have been asking Venmo to look into this for me and I would like my $XXXX dollars back from the double payment. It is clear that I sent the extra payment by mistake and that something is wrong with this persons account. Due to the lack of accountability on Venmo's behalf I would like a full refund of $XXXX. If there is something wrong with his account per the Venmo agent I spoke to on Monday XX/XX/XXXX at XXXX XXXX She stated if you can not call the money back on the app then there is something wrong with this users account. I have multiple screen shoots of conversations with XXXX XXXX XXXX that will be attached as well.  I can provide the phone number of XXXX XXXX if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: TN

Complaint narrative:
I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I took out the Barclays Carnival credit card prior to my XX/XX/XXXX cruise. Once on board the ship my daughter and I utilized the spa. My daughter received a pedicure that was billed in the amount of {$80.00}. My credit card was billed on XX/XX/XXXX for the that charge. The day before we disembarked the ship ( Thursday XX/XX/XXXX ) at XXXX XXXX my card was charged again for this service. It is a duplicate charge in the amount of {$80.00}. I received a final statement prior to us disembarking the ship and this duplicate charge came AFTER I was provided my statement. On monday XX/XX/XXXX I reviewed my credit card statement and saw the second charge as well as an addiontal XXXX XXXX I immediately called XXXX XXXX   line and the XXXX $ charge was corrected, however I was told the spa is a third party vendor and they could not refund me for that duplicate charge. 
I then contacted Barclays Carnival master card and opened a dispute. I had XXXX email me an update copy of my statement where is showed the charge of {$80.00} that had been billed twice. I highlighted both charges and mail this to them per their request. several times over the last 4 weeks I have received vague calls or letters from the credit card company asking me to call in regarding the dispute. I have each time. After waiting on hold for very long periods, they always act like they have no idea why I was told to call in. Today however I received the news that they refused my dispute and will be making me responsible for paying this duplicate charge. They could provide no reason other than the two charges had two different time stamps. Of course they have two different time stamps - the card was ran TWICE for this service. I am extremely upset with the customer service and how this credit card company is allowing me to be fraudulently billed. I fully cooperated with everything they asked me to downs find it very suspicious that this is a " XXXX  '' credit card and the fraudulent charge is for " XXXX '' however no one wants to do anything to fix it. The credit card company said contact the cruise line and the cruise line says the spa is not part of their ship ( even though they advertise it and offer incentives / promotions ). I would like advice on how to proceed since I have never been treated this way by a credit card company.

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 2019-08-14 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
As of XX/XX/2019, I checked my credit profile and noticed an account in collection from CBCS for XXXX XXXX XXXX. I immediately contacted XXXX and the collection agency CBCS to notify them that this account was a fraudulent account that did not belong to me because I have never been to that hospital before. On XX/XX/2019 CBCS responded to my dispute and sent me a letter stating that after investigating my dispute they have stopped all collections activity on this account and requested that the credit bureau remove the collection account from my credit report. What occurred after this letter was sent to me has left me confused because according to the credit bureau, CBCS removed the account from collections for a few day then reopened the collections account. On XX/XX/2019, I called XXXX to check the status of the collections removal and the representative stated that they determined the account belong to me. At this time the collection agency and XXXX  are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I mailed a payment to TD Retail Card Services ( Raymour & Flanigan ) on XX/XX/19 from my bank 's bill payer, this payment did not arrive to TD Retail Card Services until XX/XX/19, this payment was for XXXX. I mailed another payment to this company on XX/XX/19, it arrived on XX/XX/19, this was my XXXX payment. They called me to tell me my XXXX payment was not made and when I showed them that it had been, they stated they applied both payments to XXXX. I told them that this was incorrect and it needs to be applied to XXXX and then XXXX. I spoke with three different people who all stated this wasn't allowed and they refused to make the correction. The last person I spoke to, XXXX, ID XXXX, Customer Service Supervisor - XXXX, SC, told me that they would not reapply my payments and they are doing " nothing wrong ''. This is unacceptable that a credit card company won't apply the payments the way the Consumer stipulates, so they can ruin credit with an " over 30 day late '' notice on their credit report. A bank loan would not be allowed to do this, these payments have to be applied the way a Consumer stipulates. I need help getting my payments properly applied to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
As of XX/XX/2019 in response to a complaint filed with CFPB. Vanderbilt Mortgage. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and XXXX have both reported information verified from Vanderbilt again that is not accurate nor matches the information provided in the response to the previous complaint to Vanderbilt.

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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank ( XXXX  ) has called me repeatedly sometimes twice per day even if I have talked to them. They told me to set up 3 payments by phone which I did. They said they would remove late charges for those 3 months and that I would be caught up. That was 3 months ago. They still call me constantly demanding payment saying I am behind even though 2 payments have been made and 1 more is scheduled to come out the end of the month. Late charges still being charged to me. Today someone called, same as yesterday. I told them the same thing. Payments are set up like you asking stop calling me. She kept trying to tall over me and she was rude. She finally said, " It's my turn to talk and you are going to listen ''. I have called them and explained the situation and told them they are harassing me. They have been asked to stop calling repeatedly and they still call. They have violated my rights by harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I applied to refinance my mortgage. It took only 34 days to close on the purchase of my house with 2 banks as I have 2 mortgages. I worked with people at XXXX and Union Bank ( UB ) to refinance. After 5 months, still nothing. Expecting my first child, we had expenses to put on credit cards since UB wouldn't tell us how much cash to bring to close and when we would close. We were supposed to close in 30 days, then pay off the credit cards. Instead, because we had to keep the cash to close and it took them over 4 months to move, our credit score went down ( because they were too slow ). We have the cash to pay it off, all we need is to know what card to pay and rescore us. This is a very common thing to do and it takes only 2-5 days. Instead they refuse to do that for unknown reasons. They took too many applications and can't handle the workload. They are too slow and incompetent. After months, all I have is 1 ) lower credit score 2 ) money lost for the appraisal and 3 ) a disclosure from them with the wrong rate on it.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and Equifax. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company Dominion does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, 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 2019-08-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wife purchase two CD 's from wells fargo on XXXX. She died on XXXX of XXXX XXXX. She assured me and her daughter before her death that she never cashed the CDs. As executor of her estate I went to wells fargo, with the original CDs, and they said they have no records of anything. She must have cashed them. I know she never did. wells fargo responds " Since seven years have passed they are not legally responsible for the money anyway. '' After researching this issue, I see wells fargo has done this to Hundreds and hundreds of LIVING people with CD over seven years old. How is this Legal?

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 2019-08-14 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: NY

Complaint narrative:
Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.

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 2019-08-14 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: NY

Complaint narrative:
Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.

Company response to consumer: Closed with non-monetary relief