vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax on XX/XX/XXXX to complain that I have multiple incorrect inquiries placed on my credit report from when I went to purchase a vehicle last XX/XX/XXXX and XX/XX/XXXX. I explained a representative that I walked in my local dealership, XXXX with a preapproved letter from XXXX XXXX with stated interest rate and a preapproved amount. I had a verbal agreement with the sales manager that my credit would not be ran through several different banks as it was at my last vehicle purchase in XX/XX/XXXX. It was agreed that XXXX/XXXX does there own financing and could beat the rate on my letter. I called to advise Equifax that because this was done without my consent, it was not authorized and should be removed. I was told by two different representatives it could not be removed but if I got a letter from the dealership that it was done in error, it would be removed. I drove into XXXX and spoke with the sales manager who advised he remembered me and they did not run my credit through multiple banks. I pulled up a copy of my credit report on my phone and he stated he would get me a letter in 2 days to mail to each bureau as this should not have been done. I obtained the letter, mailed out, XX/XX/XXXX and receive a letter yesterday that the inquiries were accurate and would remain. Also 2 of my student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma has a tv commercial that shows a couple looking at buying a house, and the person helping them - infers it 's a Realtor or mortgage person - saying " all we need to do is check your credit score. '' - then showing a credit score and the person says " It 's yours. '' Credit Karma does not show a lending score and the commercial is misleading, inferring that you can expect to get loan approval with a credit score from Credit Karma. This is totally untrue as almost all mortgage lenders look at credit scores from XXXX, XXXX and XXXX, all of whom use generation 6 FICO credit scores, as part of their lending approval process. This puts the mortgage company in the uncomfortable position of explaining the difference to the potential borrower, especially since Credit Karma has misled the public with this commercial. They should be sent a cease and desist demand immediately and fined for their misleading information.

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 2017-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On my Equifax credit report one address that is on my credit belongs to my aunt. <P/>XXXX XXXX XXXX XXXX XXXX, PA XXXX That address belongs to my aunt DOB is showing XX/XX/XXXX My DOB is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have recently acquired a Best Buy - Citi Visa card. Before i ever used the card I called the phone number that was provided on the back of the credit card. I called to ascertain what payment amounts would be required and asked how to figure out, on my own how to figure how much money I would be required to pay. The person I contacted told me that I would never be required to pay more then {$27.00} a month. I wanted to be sure so I asked how much the minimum monthly payment expected for the card would be if my balance was {$700.00}? The person told me that the payment would be {$27.00}. I asked how much I would be required to pay if my balance was {$1500.00}? The person told me that my payment would be {$27.00}. I then asked how much my minimum monthly payment would be if I maxed the card out to {$2000.00}. The person once again told me it was {$27.00}. Last month my minimum payment was {$35.00}, and this month it was {$42.00} in a balance of a little more then {$1300.00}. I would not have used the card if I had known that I would be charged this amount of money. The amount is well over {$27.00} and the payment only payed {$13.00} to the principal. I was lied to and feel taken advantage of. I was not prepared for the credit card people to outright lie to me when I called them for information on how to figure out the payment expectations for using the card. When I called and asked the credit card people from the number that was provided to me on the back of the card, where I could get help from a governing body for credit cards he evaded my questions over and over. Finally I asked what country he was in and he said he was in the XXXX. The time was XXXXPST on the date XX/XX/17. He said his name was XXXX but he failed to give me any information that I could identify him with. Very sleazy situation. I asked to talk to his superior and he told me that this was not possible. He then said he could connect me with an American office. I was pretty sure he was about to hang up on me ... and he did. After " XXXX '' hung up on me I googled for help and found this web site. I hope you can help me figure out how to best deal with this very sleazy situation. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo account was positive XX/XX/XXXX and not actively using.
XX/XX/XXXX My identity was compromised, XXXX, XXXX, XXXX, XXXX, XXXX, ID etc.. XX/XX/XXXX walk into Wells Fargo inform of compromise request statements had n't been receiving, Told checking charged off with balance of {$430.00}, unauthorized transaction and reversal of funds, was not enough funds in account but allowed the transactions and was not enrolled in overdraft protection. My phone was damaged in XX/XX/XXXX had no access and my address changed several times according to banker. XX/XX/XXXX File first claim for {$890.00} unauthorized transaction.
XX/XX/XXXX claim denied said my card my pin, unauthorized transaction and requested documents they relied upon over the phone, twice, still yet to receive. XX/XX/XXXX many claims submitted and they submitted all as one totaling {$3200.00} XX/XX/XXXX email investigation complete errors found.called number provided they said credited {$390.00} which was funds they could recover {$600.00} waiting to see if can collect from 3rd party. Credited amount went to charge off and many o consider the case closed. Notices were confusing, again requested copies of documents they relied upon, have yet to receive. Notice states that XXXX did not post to which statements do n't reflect also requested specific charges they claim did n't post, have yet to receive. Uncertain as to which transactions were errors and actual total of errors.

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 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has old addresses on my credit report that do not belong to me address is my aunt 's address. XXXX XXXX XXXX XXXX XXXX, PA XXXX Also has my mother 's day care as a place of employment for me. Never worked for my mother XXXX XXXX XXXX XXXX Names that appear on my credit report are also incorrect My name is XXXX XXXX XXXX Names reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt that I paid off almost 4 years is still showing on my credit 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 non-monetary relief
Consumer complaint received 2017-07-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 2017-07-08 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: OH

Complaint narrative:
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX  since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

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 2017-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MD

Complaint narrative:
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 2017-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks

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 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On  XXXX   XXXX ,    2017  I made a purchase at Home Depot on  XXXX   XXXX   XXXX  in  XXXX  Virginia. The purchase was for just over {$200.00}. When checking out the clerk asked me if I want ed a Home Depot disc ount card. He said it would take {$25.00} off my first purchase. I said yes assuming it was a store membership card such as a  XXXX  care card. Only after seeing my credit limit pop-up did I understand that this was a credit card. I asked the clerk if this was a credit card or discount card. He said he gave me a {$25.00} discount. I asked him to clarify again was a credit card or just a store discount card and he said it was a credit card. I complained to customer service and the store manager, and then called the credit card company, Citiban k North America, to c ancel the card and pay the full amount. I informed the credit card rep that I would file a complaint with the cfpb, and he said he would also file a complaint on my behalf.

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 2017-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My bank does n't send transactions to the app, so they app does n't allow me to cash out money for over a day sometimes.

Company response to consumer: Closed with explanation