vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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:
I originally had a Sears card that I used to purchase a refrigerator in XX/XX/XXXX. In the summer of XX/XX/XXXX, I received a notice that my Sears account had been converted to a Shop Your Way card. I called Shop Your Way ( affiliated with CitiBank ) because I did not want the account and had not asked for it. I requested it be closed. I was sent to their retention department. The retention representative informed me I should not close the account because my purchase ( even though it was not on this card ) was covered by an extended warranty for 2 years from date of purchase. I agreed to retain the account. This month I began having trouble with the refrigerator. I called 5 different toll free numbers and was transferred each time to someone who could help me find out about my supposed " extended warranty ''. After an hour, I insisted the next representative answer my question. The representative informed me that I had no extended warranty. I asked for a supervisor. The supervisor was apologetic about the incident. I indicated that this appeared to be a deliberate act to deceive me so I would keep the card. She indicated that the representative was 'likely counseled '. I indicated that deceiving clients into keeping these cards with promises of benefits that are not there is an unacceptable practice. She agreed but gave no indication that any action was being taken.

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 2020-01-29 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: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I received an offer letter from Wells Fargo to receive a bonus under the following terms : 1. Meet with a premier banker by XX/XX/2019 to earn a {$200.00} bonus 2. Enroll in portfolio premier by opening a new portfolio checking account or converting an existing Wells Fargo consumer checking account by XX/XX/2019 3. For an additional {$1500.00} bonus open a 3-month CD by XX/XX/2019 with {$150000.00} or more in new money 4. Have {$250000.00} in qualifying relationship balances at the end of the month in which your CD matures 5. Any earned bonus will be deposited into your checking account within 45 days after the requirements are met 6. Offer XXXX I met with a premier banker and converted my checking account on XX/XX/2019. 

On XX/XX/2019 I met with the premier banker and opened a 3-month CD with the {$150000.00} of new money wired into Wells Fargo. 

XXXX XXXX Wells Fargo Bank, N.A., Nebraska ( Member FDIC ) Original value {$150000.00} Current value {$150000.00} Original issue dateXX/XX/19 Current issue date XX/XX/19 Maturity date XX/XX/19 Term 3 months On XX/XX/2019 - the end of the month in which my CD matured - I had a qualifying balance of {$400000.00}. 

I met all of the requirements and it has been 60 days and I have not received the {$1500.00} bonus.

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 2020-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Sent a Confirmation # XXXX on XX/XX/2020 stating that the letter I sent them was not going to be used to remove the inquiries from my report. I had already stated to them that I noticed these unauthorized inquires on my report. They sent a computerized statement back saying that they were verified as factual. I advised them that I was protected under the Texas Business and Commerce Code 20.06 of Title 2 Chapter 20. I am also protected by Federal Law due to the inquires being reported inaccurately and the fact that I had to send out XXXX  letters and get the same response from the company is not going to work for me. I will be seeking legal counsel for the XXXX  round and I already have all evidence required for a County Court. So they need to obey the law or I'll being seeing them in court very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: NC

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-29 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Cap One is reporting on my credit report for a debt since XX/XX/XXXX. This debt is well over the statute of limitations. Cap One keep re-reporting debt as hard inquiry on my credit report with all 3 bureaus. Based on XXXX XXXX it was last reported on XX/XX/XXXX and was not removed as promised from Cap One. 

I disputed this error last year XX/XX/XXXX CFBP Complaint number XXXX and received the response from Cap One " The account charged off on XX/XX/XXXX, with a balance of {$520.00}. On XX/XX/XXXX, we referred this account to XXXX XXXX for collections on our behalf until XX/XX/XXXX. On XX/XX/XXXX, we referred the account to XX/XX/XXXX for collections until XX/XX/XXXX. Our records show that your account ending in XXXX was settled on XX/XX/XXXX, in the amount of {$290.00}. We understand you would like us to delete the information we reported about your account. Weve confirmed that were no longer reporting this account to the Credit Reporting Agencies. '' ( see the attached ) I should not have to suffer for inaccuracies reporting on my credit report for this debt any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Call from XXXX claiming I owe on an HSBC credit card opened in 2013. I did not open a credit card at all, much less with HSBC. They threatened to send letters to my family members but would not tell me which ones. They threatened to forward my account to their attorney but could not tell me what attorney. They could not tell me their physical location and stated that since I asked for the physical location that I was threatening them. They stated they did not have to mail me anything since they were only " mediators '' acting on behalf of HSBC. " Mr. XXXX '' was the name used but would not tell me the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX  XXXX is accusing me of owing XXXX XXXX  {$710.00}, {$720.00}, then {$720.00} dollars. I have asked them to please stop calling me. They have been calling everyday 2 and 3 times a day. First when they started calling me back in XX/XX/2019, they said I owed this money and that I better pay it. At that time, I told them I do not owe any money and that XXXX  XXXX  is fraudulently making up these charges, in retaliation to me, since I moved out. I asked them at that time to please stop calling me. During the time they were calling, I was going through a death of my uncle, and him  XXXX of XXXX. XXXX XXXX still hasn't stop as of to date, and they are calling me 2 and 3 times a day ... not even saying anything. The phone stays quite for a minute and then they hang up on me. So basically they are calling and hanging up. I would like this to please stop as it is affecting my health, which is already not in a good place right now. Please ask them to stop calling me as this is now harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
PHH Mortgage Company has repeatedly refused to allow me to change my auto-draft payment amount, date and preferences, during the instances when i attempted to change auto-draft settings online during the month of XX/XX/XXXX and during phone calls I initiated on XX/XX/XXXX and XX/XX/XXXX. I have been trying to change my payment account due to a change in my banking account provider. The account that is currently identified as the auto-draft account no longer exists, yet PHH representatives have informed me that I may not change the auto-draft preference since it is past the XXXX of the month - however my payment is not due until the XXXX of the month. This has impacted me negatively because PHH has penalized my account with late fees added to my mortgage amount due during the month of XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On reviewing my last bill, I noticed that XXXX XXXX had charged us {$39.00}. Neither my wife nor I had authorized this charge, and I submitted a dispute to American Express. 

American Express did not investigate but on the day after my complaint reinstated the charge, solely on the basis of a document ( referenced in the attachment ) with XXXX XXXX ' name and the amount of the charge and our American Express card number. I immediately renewed my complaint through the American Express chat function, explaining that somehow XXXX XXXX had my card number but that we were not receiving any services or publications from XXXX XXXX. 

I received no response to this second objection through the chat function.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed this 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 2020-01-29 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: NY

Complaint narrative:
I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both Equifax and XXXX  back in XXXX of 2019. In reference to account XXXX XXXXXXXX XXXX   XXXX  : I recently received an updated letter from both companies Equifax & XXXX  stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can Equifax and XXXX  verify this account?? This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting inAccurate information on my credit profile there are inquires reporting on my consumer report that should not be there because I didnt authorize anybody to pull my credit report. XX/XX/2020 I sent out a dispute later that will be attached concerning the inquiries on my Equifax report I provided Equifax with the name of the companies and the dates that was on the inquires. I kindly asked Equifax could they delete the unauthorized inquiries and provide me with there method of verification if they determined the credit pulls belonged to me they never sent verification I requested if they could not send verification to delete inquires immediately. They responded with an irrelevant response that didnt honor any of my request in my dispute the confirmation # is XXXX is what was sent as a correspondence I will attach documents as well. After I received that I sent another letter on XX/XX/XXXX expressing my concerns about the inquiries requesting that they be removed immediately this is my second attempt to get this matter handled and I will attach the second dispute letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
XXXX and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed this 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 explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed this showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ALERT ALERT FRAUD ADDRESS OFFICIALKY STATED IN WELLS FARGO BANK XXXX XXXX financial crimes investigator for wells Fargo bank Well Fargo bank Customer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX FACTS I sent 20 faxes to invalid faxXXXX given to me by XXXX XXXX ( recorded with XXXX paid fax service ) I requested XXXX XXXX to fax her identification and a copy of the XX/XX/2019 dated wells Fargo letter of my identity theft caseXXXX and fraud and forgery case XXXX as per XXXX at wells Fargo. Recorded with wells Fargo. And required forms for my legal records. NO RESPONSE FROM XXXX. PERIOD. 
I refaxed all 20 faxes to wells Fargo bank XXXX XXXX XXXX XXXX XXXX va XXXX XXXX to forward all info to XXXX XXXX AT THAT FRAUD ADDRESS on the WELLS FARGO dated letter attached.. XXXX did not advise me from last weeks communication that the address was not valid. 
I notified XXXX XXXX XXXX # attached screenshot ..at Wells Fargo of the events and to advise me IF there was a XXXX XXXX . No response from XXXX XXXX in this matter. 
So again Wells Fargo bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A WELLS FARGO BANK FRAUD ADDRESS that I was specifically instructed to do so by a wells Fargo bank financial crimes investigator by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached. 
I called wells Fargo bank again today and spoke to XXXX AT XXXX XXXX XXXX XXXX XXXX va. And XX/XX/XXXX confirmed that the address WAS NOT A VALID WELLS FARGO LOCATION. PERIOD

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