vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am continuously having an issue with Equifax putting a freeze on my credit report, which is interfering with the mortgage company from retrieving my credit report and score. I am in the process of buying a home and this is the only credit bureau that freezes my credit report and score. I have verified that the mortgage company is putting my information in correctly. I have also called equifax to verify and resolve the issue but equifax is not removing the credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
I'm calling to report a company called Cordoza & Wexler - approximately six months ago I was harassed by this company for a debt I do not owe and I don't even know what they're talking about something to do with a payday loan and I've had a few in my lifetime and they were all paid back - the case number before was XXXX - the last time they called me they said I owed {$900.00} - now they're saying I owe {$700.00} - the person I talked to today was XXXX XXXX and I told him to stop calling this number and they had contacted me before and he blatantly lied and said we have never contacted you and then he backpedaled and said oh I see we did call you before - and you need to clear this debt - I told him no one has tried to serve me any documentation - and he said how do you know and I told him I'm home all day no one is coming to my door and that I had asked them to provide me with proof that I owe this debt before and I have never received anything so please stop calling and harassing me - I told him once again to provide documentation and all he did was talk over me - these are definitely scam artists and I just want these people to go away and what irritates me is he has my social security number. I don't know who these people are but they are horrible - I have blocked them and they keep calling so I called today to find out who they were. The last time that I reported this apparently you tried to contact them and they did not get back to you and the case was closed. I am beyond irritated with this group. The phone number that was on my caller ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking and savings account with a promotional offer to get {$400.00} within 90 days of meeting the requirements ( having {$15000.00} deposited for 60 days ). I contacted them on XX/XX/XXXX once 90 days passed and they did bonus would post that day. On XX/XX/XXXX they aknowledge they problem and created a case number. They said I would receive a letter in 7-10 days. I never received a letter. I called again today XX/XX/2019 and was  told that 90 days from XX/XX/XXXX would be XX/XX/XXXX and the bonus would be awarded then. Thats 120 days and another lie from them. When asking to speak to a supervisor I was told you can if you can wait long enough.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more.

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, xxx.xx.

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
While checking report today, I saw that there was a derogatory condition for collections on my credit report and I started to get details from my bank and finally got to speak to the debt collector named I C SYSTEM INC. When I called them to inquire about the reporting condition, I was told that its a medical bill from my doctors visit on XX/XX/XXXX, I asked them if they tried calling me or send any mail. The lady over the phone was skeptical to give those details, she put call on hold 3-4 times and she stated that they sent a mail in XX/XX/XXXX, she initially mentioned that the mail got back to them. I have no recollection about the letter for collections being sent to my home address. 
The lady also told me after further investigation from her end that they tried calling me twice, but they did not leave any voicemails, everything seems sketchy to me. I feel that I am a victim of I C SYSTEM Inc 's negligence and lack of responsibility in collecting the right way and they just reported my credit stating I am not responding or paying the amount ( {$91.00} ). I have asked them to mail me the statement or charges from the doctors office, for which the lady said she doesnot have it and she has to request it. I dont understand how they can collect when they dont have details of collection. 

I have made the payment today to get out of the situation.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently opened a new Wells Fargo checking account. I decided to do this because the new checking account bonus of {$250.00} was very attractive. I have completed all requirements to receive the bonus deposited to my account. I did call and received confirmation that was account would be credited to bonus. Sadly, I am still waiting! 

I was also told for all the inconveniences, the phone banker stated they would reverse all of the {$35.00} fees. Truthfully I would not been charged over draft fees of Wells Fargo had credited my account as promised

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans union is not reporting a credit card I am authorized on for a XXXX account with my husband and I.

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 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im writing this in response to a dispute against portfolio recovery with an alleged debt on my credit report. 

Under ny law portfolio failed to provide exact information regarding such debt. They did not provide proof or start date of said debt, failed to show proof of exact dates that debt was made or months of missed payments and most importantly the so called debt that they are trying to claim is past the statute of limitations under New York State Law, Uniform Commercial Code 2-725. Even in their own letter it shows that they are past the expiration date to collect. Therefore this debt should not be on my credit report as owed to them. My Next letter it to the nys attorney general regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have called numerous times and waited on hold. Ive emailed, with a response that i need to call. My online account is locked out, they just keep me in forbearance SINCE I HAD THE LOAN. University of XXXX put me in the wrong class, i told them what they did and then they just reported me to academic something for ising an exclamation point in my sentence. Now i have XXXX $ in debt from a company that ripped me off and a lender who i can not contact!! This has been going on since the company was sallie mae. How can Navient force me into forbearance for the simple fact i can not reach them. I make XXXX $ an hour and would like to pay this off. Im XXXX years old. How many more years can this go on. University of XXXX was a scam, navient is a scam. Im just a XXXX consumer. 

The balance keeps going up and up and up and mothing i can do about it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over 800.

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 2019-01-08 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I used the Santander site to initiate a transfer of {$2100.00} from my personal checking account to my HELOC ( to pay down outstanding balance ). 

On XX/XX/XXXX, I noticed that two withdrawals of {$2100.00} were posted to my personal account transaction history : one on XX/XX/XXXX, indicating it was a transfer to the HELOC, and a second one on XX/XX/XXXX with the description " CAPITAL REPAYMENT ''. I did not make or authorize the second transaction, and could not explain it. 

As of XX/XX/XXXX, HELOC showed credit/payment of only {$2100.00}, with a date of XX/XX/XXXX. I called Santander that day to flag the second withdrawal ( " CAPITAL REPAYMENT ''  on XX/XX/XXXX ) being an error, and a service rep indicated that the XX/XX/XXXX withdrawal would be reversed and my checking account credited within 3 business days. 

Seeing no change in the accounts on XX/XX/XXXX ( neither the HELOC nor the checking account were credited the missing {$2100.00} ), I called Santander again and spoke to a new rep.I was provided a case reference # ( XXXX ), and told the case would require 5, not 3, business days to resolve, so I should anticipate the funds being replaced by XXXX. 

On XX/XX/XXXX, neither account showed the missing funds, so I called again and spoke to a new rep. He could see the case and asked where I would like the funds credited ( HELOC or checking account - I requested the checking account ) and provided a new case # for that action ( XXXX ). He indicated this would take another 3 business days and the funds should be returned by XX/XX/XXXX. I indicated that I have been waiting on the resolution for some time and am accruing interest on the HELOC and other debt due to the funds being missing. He indicated he would request accelerated processing. 

As of submitting this complaint on XX/XX/XXXX, the {$2100.00} withdrawn from my checking account on XX/XX/XXXX is still missing from both accounts. I am submitting this complaint due to repeated delays getting the funds returned and the possibilities of both further delays and not getting the funds returned at all.

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 2019-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I sent my XXXX  XXXX XXXX back to the dealer for a factory defect. Ally is aware up until the point of the stalling issue. I did not miss one payment. Ally intern sold the car for more than it was worth. I had no knowledge of the sale until I went to Arbitration court on behalf of XXXX XXXX who sold me the car. I reached out to Ally and asked them to cease all contact with me during XX/XX/2011-present and they have been sending me letters, and also they have submitted my information to a third party who intern calls me repeatedly. I have requested that Ally abide by the statue of limitation. The statute of limitations in Florida is five years for written agreements and four years for oral agreements.The statute of limitations in Florida for an to legally pursue an old dept is five years for written agreements and four years for oral agreements. Under the Fair Credit Reporting Act, debts can appear on your credit report generally for seven years.The dept can remain on your credit reports for seven years from the release date or 10 years from the date filed. The date it was filed according to my credit report is XX/XX/2011.

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 2019-01-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
hello, On this day of XX/XX/XXXX I would like to file a complaint against Equifax and XXXX  for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with XXXX and Equifax. The first and most negative item is Child Support, which appears on my Equifax credit profile. This item was removed by XXXX XXXX and XXXX from my credit report but with Equifax it still remains! Child Support closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with Equifax are XXXX/XXXX in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. XXXX  also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. XXXX  also shows a balance of {$23.00} for XXXX/XXXX  which has a {$0.00} balance as of XX/XX/XXXX, and XXXX also shows a balance of {$420.00} for XXXX XXXX which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX  and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over 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 2019-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The subject of this complaint is PNC Bank. During the second week of XX/XX/2018, I transferred {$300.00} or so from " XXXX XXXX '' to " PNC Bank '' and received an email about four days later saying that the money had been received in my PNC account and would show up within three business days. To date, I have contacted PNC via online chat a week after I didn't receive the funds, then called four times, reached out by email and phone to an executive client relations person at PNC two weeks ago. I still see no funds in my PNC account. It's been almost a month now, with no sign of the funds showing up in my PNC account -- even though PNC confirmed that they've been received, and they were taken out of my XXXX  account just fine! 

I am contacting you so that PNC checks its own records and properly reflects this {$300.00} received transaction in my account. Right now it is essentially stolen by PNC or XXXX -- I don't know. The documents I have attached clearly tell the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XX/XX/2012 a representative from Bank of America called me to see if i wanted to switch my checking account to a no fee online account. My account was dormant because I moved to Colorado where no Bank of America locations exist. This stopped a fee of around $ XXXX/ month being deducted from my balance in lieu of receiving monthly statements. In XXXX of this year, I noticed that Bank of America had started deducting fees from my account again without notice. When I questioned the representative she told me that the fees were highlighted on my monthly statement. Bank of America convinced me to move to an account where i don't receive monthly statements and then decided to change my terms and conditions on the monthly statement that they weren't delivering anymore. I do have online access but didn't believe that I needed to check this because there is never a balance change. Today I received a low balance notice because B of A has taken all of the money from this account in service fees which were never to be charged. When I called them they offered to refund one month. 

This is theft. Albeit, the numbers are small but the principle of this act is fraud and is dishonest given what transpired. I am sure that I am not the only one affected by this.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the day of XX/XX/2018 I noticed that my account had been hacked or something it was over drawn {$840.00} Im sitting in my living room with my son and my boyfriend watching tv I looked in my wallet to see if I lost my card no its in my possession ( still is ). So I called Bbva Compass Bank started the process and they told me the account was then blocked but at XXXX XXXX XXXXt it went from XXXX to XXXX another charge on my card had been used again Im still home. The next day XXXX XXXX was supposed to be a happy day for me and my family Im stressing out because with the fees and all my account went from XXXX $ to XXXX I kept calling every single day I have my dispute number ( XXXX ) I specifically told them about nine gas stations and the man at this time said he updated it so that the investigators would see my update on. Again like all banks they say you will see a credit in 10 business days and today is the tenth day I was promised a credit my account is not even handled I didnt receive anything no emails no letters no nothing I have to pay rent daycare etc Ive been putting things off due to this inconvenience to me and my family Ive loss sleep cant eat because of this termoil that this bank has caused me. I just want what is rightfully owed to me so that me and my family can move forward. I will not be banking with them anymore due to this and due to them not be truthful with me from jump Im only XXXX with a XXXX year old boy Im raising him by myself I pay rent by myself I pay for everything on my own I thank XXXX for my boyfriend mom and dad for helping me but this has to end now.

Company response to consumer: Closed with explanation