vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-05 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When checking my Wells Fargo credit card statement online I saw a charge of {$110.00} to XXXX XXXX. I called Wells Fargo to dispute the {$110.00} charge. They provided a receipt which is attached to this complaint. The receipt shows a transaction date of XXXX/XXXX/XXXX for a location in Florida. I was not in Florida and I had my credit card in my possession here in Minnesota. Also it shows the purchase was manually entered. I do not believe the receipt provided by Wells Fargo is a XXXX receipt in the first place. I had Wells Fargo cancel my card and issue a new card as this charge was fraudulent. 

I do not have a XXXX account at all. I do have a XXXX phone that gets billed to my father 's account. My father 's account did not receive any {$110.00} credit from Wells Fargo and it should not any way. Wells Fargo told me that they can not reverse the charge since I am affiliated with a XXXX account. Again I do not have a XXXX account. I believe Wells Fargo should be able to tell where they sent the {$110.00} and it was not any account that I charged on. 

I did file a fraud form online with XXXX on XXXX/XXXX/XXXX also but no response from them. I believe the receipt that Wells sent me is not a XXXX receipt, I do not have a XXXX account so XXXX really has nothing to trace back. Wells Fargo should know where they sent the {$110.00} but they are not working with 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 2017-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have asked twice today very politely to be taken out of the system because I 'm not the person they want to reach! 

They called me yesterday as well. 

Wrong number and continuous calls is harrasment.

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 2017-11-05 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: SRA Associates, Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: NJ

Complaint narrative:
XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

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 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: CT

Complaint narrative:
I moved homes in XXXX and called XXXX to install an alarm system. The salesman came to my home and sold me an alarm. It was installed by replacing the exisitng alarm control panels with XXXX panels a few weeks later. I had signed a 2 year contract for montoring for a total of {$1100.00} paid monthly. After a few weeks.of use my wife came home and opened the front door and we found the alarm never worked when she open the door, as typically we came through the garage entrance. We contacted XXXX and they sent us an engineer who told us that the sensors in the front door werent working and we need to have then rewired. When the engineer checked the rest of the home and he told use that the whole house need to be rewired the alarm to work. The XXXX salesman came our house again and told us we would need to.spend a further {$2200.00} for wiring with fronts, side, patio, garages doors and window sensors. We complained that this should have been expalined ahead us signing the contract and so they sent us a 2nd senior sales manager to our home. He agreed that XXXX engineers couldnt have tested the alarm system on the initial visit and said he would discount the sensors and wiring to {$1700.00}. We respectfully declined the offer given we had all the expenses of moving to a new home. He told us that he would have the contract cancelled and apologized for the issue. A few months later we started to recieve bills from XXXX for alarm monitoring and we called several times giving our explanation and were told someone would be back in contact. Many calls and bills later, we found out that Sales Manager had left XXXX. Eventially we were presented with a demand for the 2 year montoring fee in full. We tried to raise this within XXXX but there customer service team has 1 escaltion route to another team that has no discretion, no power and simply stated we " signed '' a contract. XXXX passed this to Apelles LLC debt collection in XXXX after 4 yearrs of disputing the demands. Apelles were initally understanding of our postion, which we disputed within 30 days of them contacting us, and then we found they had registered a debt against us. Today, 4 years on, we still have the alarm system in place as originally installed by XXXX, still not working as proof of how they left us. Extremely frustrated at how companies like XXXX are allowed to treat customers with such lack of care and no mechansim to get to Senior people who would be able to listen and hear. Shame on you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX The account was paid in full and I would like it removed from all three credit bureaus. This issue should have been resolved when final payment was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: CA

Complaint narrative:
I have two collection accounts which are unfairly reporting on XXXX, TRANSUNION AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.

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 2017-11-05 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 have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). 

Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: MD

Complaint narrative:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 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 2017-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!

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 2017-11-05 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: MD

Complaint narrative:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Equifax disputing inaccurate and invalid accounts on my credit file. Equifax received the letter on XXXX XXXX, XXXX.Within 30 days I received a letter from Equifax saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Equifax asking for method of verification and proof of verification. Equifax received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Equifax stating the exact same thing as the first letter. The letter said the accounts have been verified. Equifax did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Equifax asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Equifax stating again that the accounts have been verified. How can Equifax say that they verified an account and not provide information on how the accounts was verified? How can Equifax be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Equifax can report inaccurate information onto your credit file without proper verification as long as they are paying Equifax. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!

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 2017-11-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have had the Citi Bank XXXX XXXX for over 10 years. I received an email in XXXX that the card was being converted to an XXXX XXXX as Citibank lost the contract with XXXX. I already have the XXXX XXXX XXXX and did not need two. I called customer service on XXXX asking if I can convert it to another CitiCard which I was assured I could. I was told even though I knew what card I wanted I had to review the website to make sure I knew what card I wanted and then could call back to covert it. I called back the next day and was advised by a CSR and manager that the card can not be converted due to the fact it is a XXXX card. 

I expressed frustration that I would loose 10 years of card history on my credit report impacting my score if this happened and they showed no concern or provided information on this. I asked why two reps the previous day ( one for general cards and one with the XXXX  division who I had a question about that card benefits in which only a XXXX rep can answer with Citi ). 

Citi shows no concern for customers when they provide inaccurate financial information that now will result in a monetary loss to me due to a credit score change. Citi simply does not care about the communities they serve or providing accurate financial 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 2017-11-05 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: MD

Complaint narrative:
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Experian disputing inaccurate and invalid accounts on my credit file. Experian received the letter on XXXX XXXX, 2017.Within 30 days I received a letter from Experian saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Experian asking for method of verification and proof of verification. Experian received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Experian stating the exact same thing as the first letter. The letter said the accounts have been verified. Experian did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Experian asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Experian stating again that the accounts have been verified. How can Experian say that they verified an account and not provide information on how the accounts was verified? How can Experian be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Experian can report inaccurate information onto your credit file without proper verification as long as they are paying Experian. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2017-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.

Company response to consumer: Closed with monetary relief