vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a Wells Fargo credit card. They asked I go into the branch with two documents from a list, including a utility bill or renter 's insurance. I submitted confirmation of my renter 's insurance, a copy of my driver 's license and a utility bill. They refused to process the application still, instead demanding more paperwork be dropped off in the branch. They would n't even tell me whether I would be approved pending providing this paperwork.

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 2017-09-27 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: IL

Complaint narrative:
I have disputed the collection of XXXX CREDIT ... once investigation was completed the account was deleted XX/XX/XXXX ... ..but account is still reporting on my credit because THEY HAVE REINSERTED IT I am attaching the confirmation letter ... FCRA states I would have to b notified by credit reporting agency before reinstating an acct THEY DID NOT DO THAT AND ARE IN VIOLATION OF THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: IL

Complaint narrative:
I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.

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 2017-09-27 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: IL

Complaint narrative:
I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
there use to be a XXXX dollar interest at the begin of the loan for the vehicle when i would be passed due because the loan was pricy so i know have to pay XXXX dollars of interest a day the vehicle was sold to me at full price when it was used and my contract was very sketchy plus there has to be proof of malpractice issuing these crazy interese rate for used vehicle because Westlake financial services has been order to pay a settlement of XXXX XXXX dollars to consumers and i purchased a vehicle right after the date in XX/XX/XXXX a year after they found them guilty. Which were used between XX/XX/XXXX and XX/XX/XXXX, violate the federal Fair Debt Collection Practice Act and the Truth in Lending Act, the bureau said i quote XXXX  XXXX. I was subject to phone call debt collections right after 3 months and then i would pay high interest and would not qualify to refi because i was in debt and once i was out of debt i still wasnt qualified to refi with Westlake financial service i was given a small window of opertunity to purchase the car by Westlake 4 year term and would like to extend term payment or lower interest rate i feel hopeless when they use tactics to repo the vehicle when i was working in the XXXX XXXX  city left it parked and was repo by city traffic control i was only backed up 2 months and had the vehicle for well over 2 years and cant believe i still owe a lot i feel they are commitng fruad the payment doesnt go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a payment on my auto loan but it was incorrectly applied to a credit card that I no longer have with Bank of America. On XXXX/XXXX/XXXX, I called and spoke with someone who said that they would fix it and provided me a resolution # XXXX. I checked my account a week later and the payment was still applied to the wrong account. I called and spoke with another representative who told me not to worry about it. It has now been over 2 weeks and the issue has not been corrected. My payment due date for my loan was XXXX/XXXX/XXXX and it is now 2 day past due as a result. I am concerned that my credit is going to be affected in a negative fashion due to this error. This needs to be corrected 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 2017-09-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax dispute confirmation number XXXX was filed on XXXX/XXXX/XXXX. To date I have still not received any response from Equifax concerning my dispute beyond the initial dipsute confirmation email on XXXX/XXXX/XXXX which stated I would receive updates and a result, clear violation of the FCRA. I checked their online system numerous times and the status was always in process. This " in process '' status was still showing well beyond 30 days, clear violation of the FCRA. I have attempted to contact the company via phone 3 different occasions. The first 2 occassions I was waiting to speak to someone for over 30 minutes on wait and then my call was abruptly disconnected by Equifax. The third attempt I did finally reach someone and when I questioned why I had not received a response in writing I was hung up on. The clear disregard for the FCRA must stop immediately. Now when I attempt to check the status of the dispute online, it does n't show up and is as if I never filed it. I have the confirmation number and email from Equifax proving it was filed. The CFPB must do something to stop the blantant flaunting of the law by a supposed credit bureau which obviously has numerous legal troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
1. XXXX XXXX filed a fraudulent foreclosure in the Fourth Judicial Circuit in and for XXXX County Florida case  no. XXXX. 
2. The case has fraudulent Notes, Assignments, and  Complaint because the Complaint is notarized the year before it was even made. 
3. The court gave a default judgment to the Plaintiff that does not exist.
4. Another department of XXXX XXXX XXXX XXXX says the note and mortgage this is attached to the loan number on my house is not in their system, so they do not own it.
5. This has been told to court but they refuse to listen because they are stealing properties from the American people and making millions of dollars. 
6. Attorneys are working with the judges and clerk of court aiding in the theft of properties using the name of the banks and trust.
7. I have a letter from the Plaintiff stating that a REMIC Trustee can not file foreclosure on a property. 
8. XXXX XXXX assignments were intentionally left out of the case showing ownership and break in the chain of title.
9. The Mortgage statute of limitation on lawsuits is being ignored.
10. These USC 18 Section 4 felonies reported to judges and sheriff are being ignored.
11. The SEC securities Fraud being committed by banks is being ignored.
12. The IRS tax evasion by courthouses is being ignored.
13. Identify theft creating new loan number without authority to do so.
14. My home is set for an unlawful sale XXXX XXXX 2017.  This property theft in progress is being reported to you.
15. FDCPA violations created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.

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 2017-09-28 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: CT

Complaint narrative:
Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy.

If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX   Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX.

Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I do have financial hardship paying my bills fees is not something that help me with my balance Cfpb should hard on credit cards and their redicilous fees

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 2017-09-28 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I placed an order for crypto that totalled {$490.00} with the {$14.00} fee. Then my card was charged another {$14.00} fee! No where did it say my total would exceed {$490.00} XXXX XXXX card limit ) I want the refund of the second {$14.00} fee because nowhere did i agree to that. 

Coinbase case # XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
I received phone calls and tried calling back to find out about the debt. 
No written correspondence was sent to me. 
I informed company that I paid the debt and I emailed proof. 
I called back to confirm receipt of my proof of payment and they refused to accept my proof. 
They also refused to contact the initial creditor ( XXXX ). 
I spoke with XXXX XXXX ID # XXXX who refused to provide last name.

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 2017-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.

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 2017-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: FL

Complaint narrative:
In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better

Company response to consumer: Closed with explanation