vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX, I was charged {$1400.00} at Bloomingdale 's department store in XXXX for an online purchase. 

Citibank called me, asked me if I made the purchase, I said no, they reversed the charge and credited my account the amount. 

XX/XX/XXXX, I received notification that the charge was being re-issued after Citi claims they were provided information showing the charge was shipped to my house in XXXX, and that the investigation was closed. I called Citi, Bloomingdale 's, back and forth, both company 's kept saying the other would handle the dispute, neither did. Citibank did tell me that in order to recover my funds, I'd have to prove the item was never shipped to my address. 

Bloomingdale 's finally put me in touch with their own Fraud Research Group who told me that they had information stating that someone contacted Bloomingdales after the purchase was confirmed online from an unknown number and changed the shipping address to an address in XXXX, XXXX. I attempted to give this information to Citi at their original request, but they maintained the investigation was closed. This was still in XX/XX/XXXX. XXXX XXXX has given me a XXXX tracking number, which I've since forwarded to XXXX and asked for their help regarding this matter. 

I've also taken matters to the police in 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 non-monetary relief
Consumer complaint received 2018-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
cra inaccurate information sent ftc and all police report to all 3 major company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX requested a loan modification package from Selene Finance, no correspondence from them until the last week of XXXX after several attempts. Submitted loan modification application and supporting documents immediately ( XX/XX/XXXX). Called and left message with ( XXXX XXXX - Point Of Contact - Assigned to my account ) to follow up days later to make sure that Selene Finance received the full/completed package. Did not hear back from XXXX XXXX/Selene, until ( on/or about ) the week of XX/XX/XXXX by mail, acknowledging receipt of my information ; however, Selene had deemed my package incomplete and was requesting more documentation sent to them by XX/XX/XXXX in order to proceed with their review and consideration for my request for loss mitigation. On XX/XX/XXXX called Selene/XXXX XXXX,, no answer, got her voicemail ( typical ), zeroed out to speak with member on her team. The reason for my call was to follow up and make sure that Selene had all of the requested documents in order to complete the package.so that they could proceed with the review. During the call ( XXXX XXXX EST ) I was told that a decision was made on that day to deny my loan modification. I asked the Rep for Selene ( XXXX? ), what was the reason for the denial, at the point she put me on hold for a few moments, when she returned she stated that it had do with my business income ( XXXX. ). During the exchange I had informed her that I've made and was making payments all year, and did not understand why I was not approved on a trial bases. She began to insult me to he point I felt DISCRIMINATED against at which time I ended the conversation. Hours later ( XX/XX/XXXX ), I then receive a call from XXXX XXXX, stating that her colleague forgot to offer me a one time, keys for cash option of XXXX, to move out of my house in 30 days. I TOLD HER THIS WAS NOT AN OPTION although my house is scheduled for an upcoming foreclose sale on Tuesday, XX/XX/XXXX. I proceeded to try an negotiate a trial base loan modification with XXXX and she said No, shortly after that the call ended. 

I am disputing the debt. the debt has not been validated. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due. 

I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since. 

I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly. 

I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This compliant is for The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. In 2008 Bank of America purchased XXXX XXXX XXXX, XXXX for XXXX XXXX dollars. All of Countrywide 's CWAB certificates were paid in full. Also, the Federal Housing Administration, FHA, XXXX XXXX and XXXX XXXX executed settlement agreement with BofA releasing all liens. One way or the other these asset backed certificates became Real Estate Owned, REO properties ; and is listed so with the XXXX XXXX XXXX XXXX ; and when you contact their XXXX to verify status of your property ; the response comes back as REO property ; and to contact the master servicer which is BofA. 

Therefore, I need verification that our property ; XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX is Real Estate Owned, REO, property by the bank, and/or 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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America charged me a {$35.00} fee on a POS XXXX debit card purchase made with a checkcard. The transaction for {$20.00} was made on XX/XX/XXXX with funds in the account to cover. The next day a check cleared my account and shifted the balance to negative, which I was charged a justified {$35.00} overdraft fee. 

However they then went back on XX/XX/XXXX in retrospective and charged me another {$35.00} afterwards stating that it was in reference to the XXXX charge of {$20.00}. It is illegal to go back and charge an overdraft fee on a debit card transaction, when funds are available at the date and time of purchase. 

I called the bank back and somehow this one time purchase was listed in their systems as recurring, I told them it was not, it was one-time upload and it was incorrectly labeled in their system. I conferenced XXXX rep in to confirm it was not a recurring fee and it was sent over as a 1 time purchase. The bank changed the coding on their end to recurring. They said it was because the merchant put a hold of {$20.00} on the funds on XX/XX/XXXX which then went through on XX/XX/XXXX. Which is ridiculous all debit cards purchases process for a day or two before posting. At the date and time of purchase, if there are funds in the account, the bank can not go back in and retro charge after for a POS debit card purchase. This is exactly what they did 2 days later. 

This is predatory and their were unwilling to help me even after I spoke to 2 representatives.

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 2018-06-01 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: ERC
State: KS

Complaint narrative:
cra inaccurate information sent ftc and all police report to all 3 major company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
cra inaccurate information sent ftc and all police report to all 3 major 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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a Wells Fargo credit card to do a balance transfer. I asked for {$10000.00} credit and received a {$15000.00} card. When the card arrived I didnt want to use the enclosed check so I called the bank and the customer service rep helped me decide to do a {$13000.00} transfer from XXXX electronically.On XX/XX/XXXX, I find out I owe XXXX to Wells Fargo, even though I only had {$15000.00} limit. I called the bank and was told the rep made a mistake and I should call XXXX to reverse it. After almost 90 days its still not resolved, but Wells Fargo charged me 2 transfer fees, and forced me to pay $ XXXX monthly and no longer takes any responsibility for their mistake

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 2018-06-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a text alert that my Chase Freedom credit card was used to make a {$75.00} purchase at a XXXX ( I receive text alerts each time that credit card is used ). I was at work in XXXX, Florida at the University XXXX XXXX XXXX at the time of the purchase, which was made in XXXX, Florida. The card was with me at the time of purchase. I immediately reported the purchase as fraud to Chase and was issued a new credit card. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX, saying that since my card has a chip they can't confirm it was a fraudulent charge. The letter also said I had 14 days to reply or they would " finish our review and share our final results with you. '' The 14 day deadline is pretty absurd, considering I received it 12 days later. I opened the letter after hours and called the general fraud line, and was told by the rep, again, that the purchase was made " with the actual card. '' This is physically impossible. In fact, she said the card was swiped, not inserted. She provided an email address for me to send my time sheet to, to prove I was working. 

On XX/XX/XXXX I sent my time sheet to the provided email address. I also called the phone number from the letter, which connected me with XXXX 's voicemail box and I left a message. 

On XX/XX/XXXX at XXXX XXXX XXXX returned my phone call. He said what the other rep said, and added that the charge will be put back on my account. He read of the purchases : a XXXX cent water bottle and two XXXX gift cards. I told him that gift cards are commonly purchased with stolen credit cards. Again, I insisted I did NOT make the purchase and he offered to escalate me to a supervisor. I emailed his supervisor my timesheet ( he stated he had no record of me sending the time sheet the first time ) as well as location services information from my XXXX, showing I was in my office six minutes before the purchase was made. 

Between XXXXXXXX XXXX and XXXXXXXX XXXX  I spoke with the XXXX Police Department, XXXX XXXX County Police Department, and XXXX Police Department. I was advised by the XXXX rep to file a report online with the XXXX County Sheriff 's Office, which I did around XXXXXXXX XXXX. 

At XXXX I received a phone call from the Chase supervisor, who told me my documents and case will be moved to the Dispute Department. I'm a little concerned about this since it's not so much a disputed charge as it is fraud. She assured me they will investigate the charge and get back to me within ten business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01 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: SC

Complaint narrative:
On XX/XX/2018, I submitted paperwork to Equifax about incidents of Identity Theft, as of XX/XX/2018 they still have not removed the fraudulent data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: SC

Complaint narrative:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

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 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2018, I wired {$5500.00} to a family member as a gift for their house. I noticed my savings account was extremely low. I mainly pay my car note with my savings account and XXXX. That is about it. I then noticed their was a loan on my account for {$12000.00}. The only loan I should have through USAA is a car loan. I have had loans with them in the passed however all of those loans were paid off. There have been opened credit cards on my credit report that I did not authorize and now this loan that I do not remember opening or signing for. I have also been experiencing fraudulent charges being made on my credit cards. So I have filed all of the necessary paperwork to get these fraudulent accounts removed from my credit report to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I took out a loan with XXXX XXXX to purchase furniture in XX/XX/XXXX for approximately {$2400.00}. I had been making monthly payments of {$160.00} and the account was in good standing. I hadn't checked my balance and realized in XX/XX/XXXX that the loan was paid off in XX/XX/XXXX and had made 5 overpayments. This gave me a credit balance of {$930.00}. When I realized, I called them and asked for a refund check of the overpayment amount. I was told that a check would be issued and could take 7 to 45 days to issue. I thought that a bit strange but given my good standing with the account, assumed it would be closer to 7 days. I followed back up at the end of XX/XX/XXXX when I saw that my account still overpaid and had not received a check. I called again on XX/XX/XXXX and was told that a check was not set to be issued and that I would need to call back AGAIN on or after XX/XX/XXXX. I escalated to a supervisor. After being hung up on twice after being put on hold, I finally got to a supervisor. The supervisor told me that based on my account history/status and poor service experience, she'd make sure a check was sent out right away. Two weeks later ( today, XX/XX/XXXX ), I still have not received a check. I've called back to get a status and have been hung up on twice by the representatives after putting me on hold. When I called back a 3rd time, the representative ( XXXX ) put me on hold to get me to a supervisor only to come back on the line to say that their " system was having problems '' and she couldn't transfer the call and that the supervisor ( XXXX ) would call back immediately. He didn't call back. This is the worst experience I've ever had with a financial company and simply looking to get back my money. 

XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
tried multiple times, credit repair companies. Will not fix. Wells fargo does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. Wells Fargo has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee 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 2018-06-01 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: SC

Complaint narrative:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

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