vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2019, I went into the local Wells Fargo to close my deceased father 's overdrawn account with a cash payment as they would not accept a check from me ( his executor ). I paid the {$69.00} balance and was informed that I could not close the account even though I presented paperwork and death certificate. I was informed that I was not " on this account '' and " did not have an account with Wells Fargo ''. I was told the account would show a XXXX balance upon my cash payment, and to Return to Sender the next bank statement with DECEASED written on it. I have done this repeatedly. Subsequent bank statements continue to arrive and. I finally opened a statement to find that his account not only was not closed, but has been assessed fees on a 3 Cent balance which should not exist. Wells Fargo has not been of any assistance with this issue, other than wanting more money.

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 2019-09-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Approximately 3 weeks ago I tried using my CITI card but it got declined? I called the company and was transferred to the Fraud department. Apparently some one had hacked into my card? I went over all the pending purchases with the representative to ascertain all my charges. There was only one fraud charge at a XXXX in XXXX, TX. A few days later my electrician called and said my payment had been denied for {$3000.00} and in addition he was charged {$150.00} in fees? I called the company talked to XXXX XXXX on XX/XX/XXXX. She informed me that 3 charges had been rejected by the fraud dept? {$150.00} to a restaurant and {$27.00} to a butcher and {$3000.00} to my electrician? She was going to look into it and call back. OnXX/XX/XXXXXX/XX/XXXX I messaged CITI online spoke to XXXX who suggested I contact the fraud dept. On XX/XX/XXXX I  called the fraud dept and was transferred to a lady in XXXX who advised me the charges would be reversed in 3 to 5 days. On XX/XX/XXXX I called CITI and requested to speak to a supervisor, nobody was available and I was told some one would call me back? No one did! On XX/XX/XXXX I called the fraud dept talked to XXXX # XXXX  he advised me the charges were NOT going to be paid and I had to call customer service about the {$150.00} fee charged to my electrician? On XX/XX/XXXX I talked to XXXX a supervisor and was told it could take 45 days to pay the electrician? I reside in Texas its in the high 90s and the electrician who was installing a new unit refuses to come out till he gets paid in full as the {$3000.00} was only a half payment down. PLEASE HELP!

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 2019-09-14 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 Credit Acceptance, LLC
State: OK

Complaint narrative:
American Credit Acceptance closed account charged off money as bad debt/Sold to collection agency, on credit report shows open 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 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX   XXXX XX/XX/XXXX XXXX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX- XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX  {$420.00}

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 2019-09-14 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2019, logged into my online account and noticed my dispute amount had been re-applied to my account. I went to my documents online to see what merchant 's response to my dispute was, and was unable to download the documents because they are provided in an unsupported format. I chatted with credit card company, Citibank, asking that these documents be sent to me either via mail or email. Representative advised they would be emailed within 24-48 hours. Had not received by this time, so again chatted on XX/XX/2019, inquiring and informing docs not yet received. Representative said wait longer. When inquiring about the XX/XX/XXXX deadline for me to submit rebuttal, rep was dismissive and asked me to call.

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 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Hi CFPB, I've refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank that refinanced my house :  XXXX XXXX ( debt collector : XXXX ) to a new debt collector called Ditech. The problem is that, because of a miscommunication between the companies and me, I should have started to pay Ditech in XXXX, but, instead, I've started paying in XXXX. 

After paying Ditech, I was informed by XXXX that I should send a check to them in order to cover XXXX, what I've done and can proof. So, then, I've called Ditech and they told me that were going to use the XXXX payment to cover XXXX and should be all set. 

They never did. Instead, they've paid XXXX for XXXX, so then XXXX received two payments, one from me, and one from Ditech. 

Last month I've contacted Ditech to negotiate my interest rates and they finally discovered the problem. As soon as this happened, they've started to charge me two mortgages, instead of one and also started to send letters threating me about foreclosure. 

I've called Ditech and said that they have to get reimbursed by XXXX. They said that they can't do anything about it and that I should ask XXXX to reimburse me instead, so then I should use the money to pay Ditech until the end of this month, otherwise, it will have consequences ( more threats via phone ).

I've sent two faxes, one to Ditech and one to XXXX, showing my proof of payments. I've contacted XXXX, but they said that just solve problems like this via fax. The problem is that the time is passing by and they've never replied to anything, even though my fax has my phone number, email and all the details of my account. When I call them, they say that don't have any information about my account. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, 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 2019-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is what the CIT Bank wire transfer form says Signed and completed forms may be securely submitted to the Document Center in Online Banking. Sign in via www.CITBank.com and click on Customer Service to access the Document Center. You may also submit by fax at ( XXXX ) XXXX. Submit forms prior to XXXX XXXX   Pacific Time ( XXXX XXXX Eastern Time ) to have the wire transfer reviewed the same day, subject to the Terms and Conditions below ( excluding federal holidays ). I submitted a form on XX/XX/XXXX around XXXX XXXX EST for the transfer to happen the next day. 

On XX/XX/XXXX around XXXX XXXX EST, CIT calls me and starts asking me the information that I had already provided in the form that was securely uploaded to their Document Center. I spoke to XXXX and XXXX XXXX from XXXX, CA. The business day was almost over, and they were calling me at the end of the day. XXXX said that their cutoff time was XXXX PST, and they had to initiate the transfer ASAP to make it the same day. I had submitted the form 24 hours ago, and they were calling me 30 mins before the cutoff time. When I told him that, he lied on 2 things 1 ) I was supposed to call CIT after sending the form ; nowhere in the form does it mention that. It explicit says For security purposes, CIT Bank will contact you to verify the information that you provided within this request. We will be using the telephone number ( s ) we already have on file. 2 ) They had called me before and I did not respond. My call history proves otherwise and I would like to challenge CIT to prove that they called earlier on XX/XX/XXXX. So, after sending the form on XX/XX/XXXX, almost 24 hours before their cut-off time, I still do not get the funds transferred on XX/XX/XXXX. It ultimately happens on XX/XX/XXXX. What is pathetic is not just their lack of process and incompetence but their lack of knowledge and denial of any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
Williams & Fudge I, has performed a Hard Inquiry from my personal credit report on XX/XX/2019 without my knowledge or consent to this action. I'm not currently performing any business with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX- total visa XX/XX/XXXX XXXX XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}

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 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
We have been targeted by two collection agencies thus far -- XXXX and now ERC. XXXX began calling almost daily this past spring 2019 looking for someone with the same last name as ours, but who doesn't live at this address and never has. ( I thought they just had the wrong number at first when I heard their message on my voicemail. ) I've also had this same phone number for over 30 years so the person they were looking for never had this number before as they suggested. I complained to XXXX and they finally took me off their calling list in XX/XX/XXXX, but apparently this matter was simply transferred to another collection agency -- ERC -- who is now calling me too. ( I don't know if XXXX did this, but wouldn't be surprised. Are they all connected? ) I finally talked to an agent at ERC today, XX/XX/XXXX, and she said they would take my number off the list again. This is the second time. I fully expect a third collection agency to call me looking for the person they're trying to collect a debt from. I'd like to know how these agencies get away with telephone harassment of anyone, especially those who aren't even involved in the collection matter and are called simply for having the same last name. It's reprehensible. What are my options for dealing with this in the future? Can I file a complaint with the XXXX and FTC? Can you tell I'm pretty ticked off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: American Finance LLC
State: KY

Complaint narrative:
XX/XX/XXXX American Finance LLC located at XXXX XXXX XXXX XXXX XXXX, DE XXXX took a hard credit inquiry for an auto loan with out my expressed, written or implied consent. The business relationship with this company and myself had ended XX/XX/XXXX. Despite this dissolution of our dealings and the statute of limitations ( seven years ) ending all pursuit of repayment the company has decided to inappropriatly and illegally access my credit report for a line of credit, an automobile, or some other purpose. I am 800 plus miles away so how I would actually drive the vehicle or sign any documents related to the purchase of said vehicle is unclear. This company has caused further damage to my credit among being dishonest regarding how much they were repaid. They have garnished wages which I ironically lost a job directly after they had pursued repayment this way, sold the vehicle at an auction, and basically stalked and harrased me. I want this to end I am not a criminal or their only client. It has been 7 years and legally speaking they are supposed to stop this. This is step one of many in ensuring they leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
A Verification letter was sent to collector by certified mail on XX/XX/2019, letter was delivered on XX/XX/2019. The Collector has updated the information in my credit report with the remark : " Account Information Disputed by Consumer '', but I did not get any letter from the collector or proof regarding this account. I was requesting the account was verified to apply for a settlement in case I am responsible for it. I am working on improving my financial life with the Department of Consumer Affairs City of New York. The collection agency was contacted by phone today ( XX/XX/2019 ) around XXXX XXXX but his agent ( XXXX XXXX XXXX was not able to provide information regarding this account, he said I need to call back on Monday XXXX XX/XX/2019 ) or call the legal firm who is managing my account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I recently moved from XXXX to XXXX, since my bank OneWest only limits me {$1500.00} per day I have to write a check to myself so I have more available for bills, moving expenses, and other circumstances like purchasing furniture since I literally started from scratch. I made the decision of refurbishing my house, so I needed more money available. This is the reason I opened an account through XXXX XXXX. I made a check out to myself on XX/XX/14 for the amount of {$3000.00} and deposited it to my account. The money was debited from my account the following day and it was credited in my XXXX account the same day. XX/XX/XXXX, I go and check my account because I have to pay for my mortgage and my account is now - {$2300.00}!!!! Luckily I was able to pay the bills from my one west   account, I call one west and they claim that there was an issue with FIS and I should receive a credit soon. According to what they said, there was an error with the federal that it showed it was being redeposited and it came back returned even though it was debuted from my account 2 weeks ago. I had a conference call with both banks and XXXX had no idea what is going on. Its now 2 XXXX weeks and my account is still negative {$2400.00} now because of overdraft fees. I have had to borrow money from people to pay my bills and Im limited on funds. This is a complete embarrassment!! Im Pennie pinching and I can not get these resolved! I am in the hunt for an attorney! The bank can not give me a straight answer, I called yesterday and they tell me now that One west   is going to cut a check to send to XXXX XXXX. I asked for a tracking and they can not give it to me! This has been a complete nightmare for my family and I and will close this account as soon as this gets resolved but for the meantime I have no idea what to do financially!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Did not handle a Dispute properly And i Revoked my XXXX Dollar liabillity clause and they did nothing come to find out they Closed my account After i made the max payment i can afford and Capital one disregarded My Dispute and Retaliated against me by closing my account on my credit report and They say it was closed at consumer request wich it was not and am requesting compensation for the wrong doing of the dispute and my account reopened like nothing ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying for 30 days to unfreeze my Equifax file in order to apply for a credit card. It was very easy to unfreeze the XXXX and XXXX but impossible to unfreeze Equifax. I have tried dozens of times on their website and made dozens of calls to Equifax phone centers. I have tried both automated and spoke to several employees on multiple dates. I have faxed the requested identity information twice. I was initially told that the wait time for a response would be 5 to 7 business days and then told 30 days. My first fax was sent on XX/XX/XXXX and the second was XX/XX/XXXX. Equifax refuses to disclose why my file has been restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been receiving a phone call every morning at XXXX XXXX for the past two and a half months, XXXX, XXXX and XXXX. The caller ID says Discover and the number that appears is XXXX. I do not have a Discover card nor have I ever had a Discover card. When I pick up the phone they just hang up so I don't even have a chance to question why they are calling. I called XXXX land line and they said they no longer block calls and my older phones do not have a call block feature. I really need help with this issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit reporting agencies refuse to remove information that is not mine on my credit reports

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 2019-09-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I disputed an error on my credit report with Transunion on XX/XX/XXXX. They then removed the account with ( XXXX, XXXX, XXXX XXXX ) and it showed deleted on my new report on XX/XX/2019. It has now reappeared on my file BUT Transunion never gave me a 5 day notification, as required by law that they had put it back on my credit report. The other CB 's removed the 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 non-monetary relief
Consumer complaint received 2019-09-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.

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