vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
None of your categories really fit my complaint. I have an Equifax account that is frozen. This past week I received an email " congratulating '' me on my " new '' Equifax account. I do not have a new account! I already have one. 
I have called and they say they have to investigate and will get back to me. Nothing. Wrote 2 emails, as suggested on their site. Never heard anything other than a standard 'response '' email saying they received my email. 
I MUST know if there is somehow a second Equifax account in my name that I did not open. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX  while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.

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 2018-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Today is XXXX, I will begin this is not the first time this has been done to me by a XXXX XXXX Credit Card for a Store. Today it was XXXX XXXX. What they do is on the website after you receive the card they advertise to set up auto payments so you are never charged and late fee and do not miss any payments. What THEY don't tell you is that the auto payments take up to 30 days to be active and work properly. So the consumer feels they have set up the payment and things are fine. Well then the auto payment doesn't work and they charge you a late fee. I have inquired both times this has happened to me the other card I believe was for XXXX XXXX. I am wondering just how many people blindly pay the fees and the kind of revenue that generates for misaddressing for XXXX XXXX. Many stores use this credit card and I am in the process of paying off my cards with Synchrony and will never get another card for a store if I find they use Synchrony it is always just a hassle with this company.

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 2018-10-11 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: CT

Complaint narrative:
I purchased a set of wheels for my XXXX in XXXX of this year. The wheels arrived damaged, I sent them back. The reshipped me the wheels only to arrived damaged again. The business asked me to send them back yet again. They provided me with shipping kabels which I attached to each of the 4 boxes and sent back to the conpany on XX/XX/2018. After the company received the wheels back they refused to refund my money. I contacted Discover Card which I used to purchased the wheels and started the claim. I provided the tracking info which showed the merchandise was returned and signed for. after 60 days Discover denied my claim stating no return proof. I called and spoke with a supervisor and provided the tracking info again, even uploading it to their website. They assured me that was all they needed. Fast forward to The end of XXXX and they reverse the charge again, i call yet again and again they claim i never provided proof of the return. Its clearly on the Discover website under uploaded documents. Now since it has been more than 120 days the tracking links are now dead, as XXXX only keeps records for 90 days. I spoke to the corporate office of XXXX who stated they cpuld see where back in may the tracking had been verified by a manager during my call, they would take care of it. I receuved a phine call today from them stating they are not revera8ng the charhe and I now owe XXXX for a product i sent back 6 months agao and I shpuld call the merchant and resolve it with them. They now are expecting me to pay {$4000.00} to them for something I semt back 6 minths ago!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi contacted my husband about a credit card account that he is not on nor is an authorized user. They proceeded to try to get him to make a payment on the account. They told him how far behind and how much is owed on the card

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 2018-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2018 I went to the assigned U.S. Bank Branch, Surprise, AZ XXXX to withdraw the usual {$740.00} from my XXXX XXXX XXXX Account ( early Direct Deposit monies ). 

XXXX XXXX only allows {$750.00} cash deducted daily so that is why I deducted {$740.00} as money has always been paid in {$20.00} bills. I have done this for four years, however, on this day the bank started using {$50.00} bills -- I only received {$540.00}. 

Immediately I ran into the bank with my {$540.00} to complain. Even opened up my XXXX Online XXXX Account which did show a {$740.00} deduction. The Bank 's manager, XXXX XXXX said there was nothing they could do, that I would have to contact my own bank. I did call XXXX XXXX from the U.S. Bank lobby and filed a " dispute. '' I was told the money could be replaced within 10 days and then up to 45 days to investigate. Ten days later XXXX XXXX sent me an email and informed me it would take until XX/XX/XXXX to investigate -- I did not the {$200.00} as promised. 

So today, XX/XX/2018, XXXX XXXX sent me an email that they investigated and that the account stands -- I am out {$200.00} with no recourse! I did call U.S. Bank and asked XXXX XXXX, the manager to call me back. She did not.

Bottom line, I am a Senior Citizen trying to live on my monthly Social Security check. Believe me I can not afford a {$200.00} loss. I have used both these banks for four years now and have never filed a complaint before as I always received the {$740.00} cash amount for rent and monthly expenses. XXXX did say there could be a " glitch '' somewhere. Guess so. Would be easy for cash handlers to take four {$50.00} bills for a total of {$200.00}! 

So what can I do? I did contact our local TV stations and their Consumer Affairs departments. This can not be allowed to happen. I am hurting financially from this loss.

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 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! 

In a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed " reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named " XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). 

I have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). 

You all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! 

Insurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for 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 explanation
Consumer complaint received 2018-10-11 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: HI

Complaint narrative:
In XXXX XXXX offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from 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 explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I've had an HSBC credit card for a few weeks. Unable to log on HSBC website. Message says, " unable to access your information ''. I've called HSBC over six times and have spent HOURS on hold with no resolution. My card is apparently invalid, but company hasn't told me why. I'm concerned about the possibility of fraud and my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to remove the XXXX alert and credit freeze off my credit report ASAP!! I have called Transunion and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

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 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank ( JC PENNEY ) just called me and some foreign guy says that they have turned me over to the Credit bureaus for being 38 days past due. I AM NOT 38 days past due. I made my XXXX payment and my XXXX payment was not made due to a loss of income. I am only 14 days past due but this XXXX said that I have been turned over as 38 Days past due. I advised that he can not turn me over when i am not 30 days past due. This guy now has me concerned that JC Penney is trying to ruin my credit by reporting FALSE information to the credit bureaus. They can only report me for being 30 days past due from the date of 30 days past due from the due date of my payment. This company is a sham if they have done 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 explanation
Consumer complaint received 2018-10-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax intentionally creates false issues with their online system to evade providing free annual reports as required by law. This is done to manipulate online traffic flows into purchasing a monthly plan for {$19.00}. Their homepage is a landing page to offer these overpriced services. They stuff the link to request your free credit report in barely readable 8pt font in the footer, hoping to exhaust visitors into enrolling in their plan instead. 

Once you actually find the link and proceed with requesting your free report you jump though hoops only to discover that they are " UNABLE TO PROVIDE IT ONLINE '' and that you are required to send them your social security card and various information in the mail to obtain it. Attached is evidence of this. 

Furthermore, I have been attempting to dispute a fraudulent collection on my report and Equifax 's system is unable to handle it online, again. They then direct me to a manual link to reenter my information and then request the Account / Case Number for the dispute which can only be obtained from the credit report that you can not access. They identify consumers attempting to fix their credit via AI and then they segment them into having these issues that exhaust them into a purchase. I bet their conversion rates are quite good. 

Do you see what is happening here? They are attempting to force consumers to purchase their monthly program in order to dispute inaccuracies. 

I feel that a class action lawsuit may be necessary for Equifax 's manipulative and unethical business practices. Because of my industry knowledge, I can easily see the unethical marketing patterns that are being used to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with TransUnion. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a TransUnion customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising TransUnion. I then called 311 who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country Israel not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.

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 2018-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage Company/Mr. Cooper calls my phone without leaving a message bugging me about refinancing my loan. They also call about my payments when I am not even close to being at the date where I'm charged late fees. They've gotten in trouble for this previously and I've asked them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX LOAN XXXX for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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