vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It has been over 60 days since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to purchase a house and need answers soon. We have lost 60 days plus on this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: FL

Complaint narrative:
Several letters were sent out to XXXX credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
The company against which I am complaining, Wakefield & Associates, has failed to send me any kind of debt validation notice with respect to three different accounts which have been assigned to it for collection. I have never received such a notice ; rather, the three items simply appeared on my credit report as adverse collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This company has called me 2 to 3 times a day every day for at least 2 weeks. I have called them multiple times and asked them to stop calling me. They said they wouldn't call again, but they still do. I feel like I'm  being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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: NH

Complaint narrative:
Bought a timeshare. The card was issued by said company to pay monthly maintenance fees. Timeshare company said fees were not being paid so I asked credit card to send a statement of all transactions on card. I had been paying credit card for fees. Credit card just sent bill without identifying name of charges.So I paid up all charged paid off and cancelled card.But then they send Another charge, I sent by mail a request for charge on card and was sent a letter it was none of my business as the account was no longer in my name just my husband. Timeshare is still trying to bill me for paid fees credit card it charging late fees also. Wyndham Rewards VISA Signature Card Barclay account ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I found this Barclay account on my credit report and it is showing I'm delinquent on it. I was an authorized user on this account and by law an authorized user is not responsible for the debt. I contacted Barclay to have my name removed and they refused. They said they sold the debt and there is nothing they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2020 to XX/XX/2020 {$100.00} and {$3200.00} We were 11 days before closing on a new home when the lender LeaderOne Financial Corporation, Branch XXXX XXXX XXXX and his assistant XXXX XXXX. He decided he did not want to help us with the loan for 2 reasons. 1. Taxes 2. Employment. After disclosing the tax information with the lender he waited until  XX/XX/XXXX to inform me what needed to be done knowing it could not be done. I sent an email with the details about the taxes. After it was to late to do what he wanted is when I received an email saying what he wanted done. The lender was not happy with the employment, I was going to transfer my job to a office in another state but the office closed so I got another job with a new company in my field making adequate wages to continue. These are the reasons he gave for not wanting to continue with the closing. The lender sent me two loan packets for the above amounts. I am a first time buyer. The loan for {$3200.00} says second mortgage, conventional loan, term 30 years, payment of {$200.00} per month. I received an email stating that it is an down-payment assisted 2nd mortgage. I live in Arizona and the new house is in Wisconsin. I have switched everything, Car insurance, electric, mail, Home owners insurance, all things needed including moving expenses. Now I have to see if I can get a loan from a different company and I need to call everything to change dates. I have been told if I get approved it will take 30 days or longer but I have already quit my current employment and taken a new job in Wisconsin and this creates a real problem. 
He has created a nightmare for me. He was extremely rude, loud and mean over the phone on a three way call with boyfriend and the realtor. I have included supporting documentation. Something needs to be done, what he did is wrong and has hurt many people. At the very least he needs to reimburse my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo collections department on XX/XX/20 XXXX @ XXXX to attempt to settle a balance owed on my XXXX card . The current balance is {$360.00} on an account that had an original credit line of {$100.00}, 360 % greater than the original line of credit! This was due to an outdated mailing address they had on file, which they continued to mail statements and accrue multiple late fees, without my knowledge of owing them. Prior to this, I paid all balances on time. 

I was routed to an offshore representative that stated that they can offer a 60 % settlement. I asked for a written settlement agreement, which he declined and advised he could only provide AFTER agreement to enter into settlement. I asked to speak to an on shore representative ( XXXX employee id # XXXX ), which stated she could not accept less than 60 % of the balance outstanding, I asked to be transferred to a manager ( XXXX XXXX ) who refused to settle, despite explaining what occurred and the call was ended. 

This predatory behavior WellsFargo operates under, continues to negatively impact my ability to obtain credit, despite my good intention to resolve.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 multiple deposits were made to my account from unemployment for a number of weeks of retro unemployment or 19 payments of which 17 were {$740.00} and two were  {$140.00}. My account appeared to be active. I have a screenshot of my account from this day. 

On About XXXX XXXX I called spark business department to have a new card issued to me because I had thought I lost the previous one I had and a customer service representative told me that my account needed to be closed because it had sat for a number of months with a $ XXXX balance. Which had happened another time before in another account and they just took money from another account of mine with a higher balance to pay the one that was in the negative. This was the day the reprentative also said that I would get a check in the mail for the money that was in my account after it was closed. I was told it could take up to 4 days to close the account and 5-7 days after that to get the check. 

The next day I signed on to see what was happening with my account and I noticed that the previous representative had the address wrong to send the check to. He had the address in XXXX, IN. And the address was supposed to be in XXXX, IN. 

The check should have been for a combined savings account of {$6.00} ( XXXX Savings ) and the {$13000.00} ( XXXX XXXX Account ) for a total of {$13000.00} I have tried to contact Capital One a number of times regarding this matter and the customer service rep has told me that the check is on its way. They have stated that on the XXXX a check was printed. However, I have no clue when it was sent out or if it was sent out. Can Capital one confirm the shipping address for me? It just seems like a very long time to wait to get a check from a bank that is within the united states. And you can bet that if someone owed them money they would be ready to collect it ASAP. 

Also on the XXXX a letter was sent out that does say that my account was closed down and no check. Now its the XXXX of XXXX. Can you verify the address this check was sent to? Why is it taking so long and please don't void it yet if its going to the correct address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I paid of the auto loan with TD Auto on XX/XX/12. XXXXD Auto 's own written policy on their website states that they will release the title and lien within 10 calendar days. I have called and e-mailed numerous times and they will not allow men to speak with anyone that can get the lien released. They participate with the State of Virginia 's Electronic Lien release program. The State of Virginia code 46.2-643 also requires them to provide a certificate of title within 10 days. TD Auto has refused to do anything at this point but make excuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.

Complaint narrative:
Pleased see attached documentation from original and now closed complaint XXXX. Citicard sold the debt to XXXX XXXX XXXX on XX/XX/2019 without notifying XXXX that the debt was the subject of a CFPB complaint. XXXX has sued me through their lawyer XXXX XXXX XXXX for {$2600.00}. XXXX has served me at my mother 's NJ address, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I live in XXXX, XXXX and have a XXXX residence card that proves this residency. In addition, XXXX XXXX certified in docket number XXXX of XXXX County Court, Special Civil Part that the matter in controversy was not the subject of any legal action. This certification was and is false. 
Citicard was negligent or worse in selling a debt to XXXX that was the subject of a CFPB complaint with no disclosure to the buyer. XXXX and XXXX XXXX XXXX have falsely certified to the XXXX County Court that the matter in controversy was not the subject of legal action and sued without proper service, in violation of New Jersey Civil Procedure 4:4.4 ( see attached extract ). I have duly notified Faloni Law and the XXXX County Court by certified mail and by uploading documents to the court 's XXXX system with a Notice of Motion to Vacate, previous CFPB complaint documents, copies of my XXXX residence card and marriage certificate proving my XXXX residence.

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 2020-08-24 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
I found out about my collection amount just this XXXX when i was in the process of refinancing my house and it showed in my credit report about quantum collections. I never received any notification regarding this account, per quantum collections the mailed me a letter last XXXX which i never received and no attempt has been made there after. Upon learning about this i immediately settled my account with them in full amount of {$100.00} and asked to be removed from my credit report but they have not been compliant as they give me reasons that covid happened and their office was closed after they sent out a letter. They should have tried reaching out to me as soon as they opened and gave me a chance to settle my account. This is against the law, that a collection will just appear on my credit report without proper notification. I hope you respond on this matter as i have done my part as a consumer by paying off my account even though there were lapses on their part in notifying me. 

XXXX XXXX Quantum collections las vegas account no XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Ive been trying to communicate with cit cards for several months now regarding an existing card balance. A low introductory rate expired in XXXX and because of financial stress, I was unable to pay off that card as originally intended. I explained to citi that i would like to extend the low apr or switch to a new card with low apr. Applied for a simplicity card and was told I could transfer to that card with 0 apr intro offer. Card was approved XX/XX/XXXX but never arrived. Called and asked for it to be resent. Told I would receive it within 10 days and that I could call back in 48 hours to do the balance transfer. Decided to wait for the card due to painful process of calling, going through automated confirmation, being transfered from department to department as was my general experience. Never received the card and called again 2 weeks ago. Customer service told me it was cancelled and i needed to reapply. Transferred me to applications dept. Applications told me no, card not cancelled, assured me they would work it out, just needed to transfer me again to another department! Got cut off in the process of being transferred, decided to keep waiting. Received an email statement for a XXXX  XXXX   ending in XXXX  on XX/XX/XXXX. Called again today to ask what is going on ... got a statement but no card and no information in my citi online account about this card. Told that the card was still pending in the system and that no, I could not do a balance transfer on this particular card and would need to apply for YET ANOTHER card depending on which one the marketing department decided was eligible this month! Offered to transfer me to marketing department but I declined because I dont want to make another credit card application for credit score reasons. Through these months, Ive also use the cit online app to chat with customer service multiple times, sometimes being dropped off half way through a conversation, and usually being referred to make a call. Ive applied for all the covid assistance online and got a deferral of minimum payments but am being totally jerked around regard trying to deal with my interest obligations for months now.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A check of mine was forged and cashed out of state. The bank should have never cashed this check of mine that does not match my handwriting and is for an amount i've never written a check for, anything near this high I would have used a cashiers check for security. The check is obviously forged and the bank had no protections in place to prevent this forged check use. 

Fraud claim # XXXX Committed in XXXX OK at XXXX XXXX XXXX XXXX Bank of America

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 2020-08-24 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have sent several letters and called Navy Federal requesting the removal of a Fraudulent address and all accounts that were associated with the fraudulent address. 

I have never lived at .. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove the address and all the accounts you have associated with from my credit report. Furthermore i called the apartment complex for that address and they dont even have an XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. XXXX  and Experian have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH EXPERIAN, XXXX  AND XXXX  ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX XXXX  XXXX XXXX - XXXX  XXXX   XXXX  -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 5. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA 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 non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of XXXX  XXXX and have had drastic changes in my income. 
I took advantage of the free XXXX XXXX XXXX pulling and thank goodness I did. I realized the Capital One Auto Finance is have has been reporting me late on my credit file since the pandemic. 
I believe bc I am XXXX XXXX I called and spoke with them and they advised I need to take this up with the three-bureau. Well, I have not had any success in this and so I was told to file a complaint to have the latest removed from all three bureaus XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I opened an account with First Citizens Bank on XX/XX/XXXX under a promotional offer to receive a XXXX dollar bonus. I completed all required terms to earn the bonus but have not received said bonus. The terms of the promotion were to open a free checking bundle, enroll in e-statements, open an associated savings account, and utilize the debit card for 10 transactions. These 10 transactions were completed on XX/XX/XXXX, well within the 90 day time frame to complete the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 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:
Equifax has not changed my credit score in 3 years. Ive received credit cards paid on new car and none of this is reflective on my credit report. Ive informed them of this and they told me its not their fault that creditors arent reporting positive credit, which is not true. However, they can report negative credit on my report but are refusing to put positive reports.

Company response to consumer: Closed with explanation