vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Me and my husband deposited {$1600.00} cash to Wells Fargo ATM ( XXXX XXXX XXXX XXXX, Wisconsin location ) XXXX on XX/XX/XXXX XXXX. 
After put all 30 bills ( {$100.00}, {$50.00}, {$20.00} ) screen said error occurred and gave us {$0.00} receipt, and it said no action needed. 
But I claimed next morning because I didn't get that money I got {$0.00} only. 
After 1month later Wells Fargo deposited to my business account temporary deposit {$1500.00}, but they sent me letter another 1month later couldn't find {$1500.00} but found {$60.00} only and they took {$1500.00} from my account. 
I claimed two times but the final letter said Wells Fargo bank couldn't find any extra money and closed case. 
I talked to one of research associate and she said there was no extra money and no error and any malfunction on ATM at that time. I asked her I want you to prove that, but she said case closed. 
But when i talked to ATM claim department for my first claim he said that ATM was jammed at that time. 
She lied. 
That money for my business account. 
( customer 's phone bills ). 
We did cash deposit once a every week after work to same location ATM about same or more amount. 
I don't know where can I ask help. 
Please help me to find my money. 
Please help..

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 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I want to reiterate once again some points and authorities of this complaint and UPLOAD ONE MORE RECORDING FROM TODAY FROM MY MOTHER " XXXX more on XXXX XXXX XXXX from Moms voice. '' Please DOCUMENT THIS WITH THE ADDED RECORDING FROM XX/XX/XXXX FROM MY MOTHER. IN ADDITION SHE CALLED THE BANK TO WITHDRAW THIS CLAIM ON XX/XX/2018, AND SAID SHE MADE A MISTAKE AND FORGOT SHE HAD GIVEN ME PERMISSION FOR THIS AND OTHER TRANSACTIONS IN HER BANKING -- AS I HAVE BEEN SAYING ALL ALONG.!! 

My mother has already called XXXX XXXX XXXX, Monday XX/XX/XXXX and withdrew the complaint and said she filed this in error from not remembering. She also states on the recordings she has memory problems as I have been telling you previously. 
XXXX XXXX XXXX said they would get back to her. She was confirmed, recorded and spoke to a supervisor and redrew this complaint and also as you can see on this NEW RECORDING FROM TODAY, XX/XX/2018, SHE FULLY EXPECTS THE FUNDS TO BE TAKEN BACK OUT OF HER ACCOUNT FROM HER ERROR. AND RESTORED TO ITS SOURCE. In this case it would be back to XXXX XXXX XXXX that credited it, they will debit it, and then contact you to release the claim they have with you to recovery funds from a claim, which is now proven to be false, and I was fully authorized for this transaction and others. 
PLEASE FORWARD THIS TAPE. I WILL ATTACH BOTH FROM THE XXXX AND TODAY THE XXXX. 
WE ARE WAITING TO HEAR BACK FROM XXXX XXXX XXXX NOW CONFIRMING THE CLAIM HAS BEEN SHUT DOWN AND WITHDRAWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have sent various letters to several of my debt accounts to dispute. Yet, don't seem to get removed from report. I have been disputing through mail and have also disputed via online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
I work in XXXX for the XXXX, I'm a XXXX vet. Bank of America BoA has charged me late fees and has sent negative information to credit rating companies, 30 day delinquency on only late fees due to BoA issue in XX/XX/XXXX. I have requested correction and have been declined. The irony is the late fees that was past due was because BoA sent my XXXX payment to principle only. The 30 day pass due on my credit report is from late fees that I had waved. I have been working with BoA ( one of many ref # XXXX ) calling from XXXX a few times a month correcting numerous issues since XX/XX/XXXX ( new XXXX insurance, BoA was caught in a lie on the phone ). BoA has declined to correct, I used XXXX case # XXXX same BoA declined. BoA will not admit problem with computer system. Bottom line XX/XX/XXXX my mortgage went to only principal, my payment for XXXX posted for XXXX XX/XX/XXXX when my payment was received on the XXXX for XX/XX/XXXX it only went to principal. I pay every month on the XXXX for that past 15 years no issues. BoA won't tell me what happened written or verbal. They have told me every month when I call there is a problem. I had most late fee waved, I paid a few to correct and stop reporting pass due paymenst but every month the same thing. I have a stack of documents and notes I can send to help if needed.

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 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have variously disputed several negative accounts from my report. I have disputed several times which i believe should be removed from my credit reports. I have previously disputed various times. Yet, no help. Therefore, I believe these negative accounts should be completely off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX working jobs from the season and unemployed ... The i.r.s. charges like 500 dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the XXXX, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX  still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I just ordered XXXX XXXX from Barclays. It was the first payment of {$47.00} I had to make, yet I couldn't find the physical card, which was mailed to me and which I needed to open an online account to submit my payment. Therefore I was 3 days late and was charged {$27.00} fee. I disputed it, but not fast enough, so another {$27.00} fee was added at the same time the original {$27.00} late fee was waived. 

It didn't make any sense to me, so I disputed the second fee too. My request was denied it looks like by a computer. I requested for a human to review my case, but instead I was slapped with a new late fee of {$37.00} and was given lots of suggestions about watching my account. Though obviously I have some experience with that, because I have several other credit cards and my XXXXredit score is above 800. 

There were actually no money I owned to anybody for my purchases. Just late fees on the late fees. So I disputed it again, mentioned about my good credit history, and explained that unless Barclays does what I see as sensible, I don't want to be their customer. As a reply I received instructions how to close my account. 

I followed them at once to avoid accruing even more late fees, and will appreciate your help with recovering the current {$66.00} of late fees and interest on a {$47.00} purchase, which amounts to about 140 % penalty.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX working jobs from the season and unemployed ... The i.r.s. charges like 500 dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the XXXX, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX  still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX  others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX   working jobs from the season and unemployed ... The i.r.s. charges like XXXX dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the DHS, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: PA

Complaint narrative:
Negative Accounts are showing on my report that i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Last week I tried to apply for HSBC credit card and got denied because they can not verify my identity. I submitted all the information requested to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have a loan with BRIDGECREST XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRIDGECREST with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XX/XX/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 2018-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
This is the third time my legitimate funds trasfer to my Company has been siezed by a XXXX XXXX claiming I am involved in Money Laundering. I am a small business and this is seriously affecting my ability to survive financially, The Remmiter of Funds is XXXX XXXX XXXX to my Company XXXX XXXX XXXX XXXX a Legitamite Registered XXXX Comany. My Company is retained as a Consultant to the XXXX Company. The Bank this time is Citibank New York Transaction Ref XXXX in the amount of US {$5000.00}. I believe I am being Harrased and victimised by the US Banking System. It is now 2 weeks and the funds are still not released.

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 2018-09-21 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: MD

Complaint narrative:
Equifax XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

Petition to remove inaccurate information from Credit file. 
My name is XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX. 
After reviewing my report I discovered that inaccurate addresses are still listed on my report. I have sent a letter severally to have this removed without any success. 
Kindly remove all other address. My correct is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. 
Also remove all employers as they are inaccurate. 
I see also 1. Account number XXXX. 
XXXX XXXX XXXX Original Creditor : XXXX This Account is not mine and should be deleted. 
2.Account name : XXXX ( Original Creditor : XXXX  ). 
Account Number : XXXX. 
This Account is not mine and should be deleted. 
3.Account number # XXXX** This Account is not mine and should be deleted. 
I also request a speedy investigation and deletion as soon as possible. 
Signed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: GA

Complaint narrative:
There are 32 collection accounts on my credit report with Equifax that I have disputed. I am not aware nor do I have a contract with these credit collection agencies. I disputed the accounts with XXXX XXXX and XXXX who removed the fraudulent accounts but Equifax verified electronically in one day the information was updated. These collectors did not validate the accounts with me nor sent any proof so what did they send Equifax besides a form checked off saying the account is mine. Equifax isn't valdiating these accounts. I disputed twice XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2018 Chase closed my account due to bad checks that were sent to me. I was initially told that XXXX had to refuse checks in order for me to make sure my account can stay open. Representative never told me that I had to call back nor did I receive a letter stating that my account will be closed. 

XX/XX/2018 Spoke to Loss Prevention and they said account was closed and I can't open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
We recently ( about 3 months ago ) filed for bankruptcy. We notified Ditech that we would be reaffirming the debt ( our mortgage ) and requested the paperwork that needs to be filed in Federal court. Since then, myself and my attorney have contacted Ditech numerous times and they keep saying " they are working on it. '' The filing deadline is XX/XX/2018, just a few days from now and they are still refusing to provide the documents. I have had to pay my attorney extra fees now to file a request for an extension with the court. Ditech is purposely doing this to put us into a position where they can force a foreclosure on our home. I am permanently XXXX and Ditech wants out of the contract. Purposly holding up the bankruptcy from being finalized is also causing financial problems. Ditech either needs to provide the paperwork required by the court, or provide a lien release if they continue to refuse to let us reaffirm the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: MI

Complaint narrative:
I was threatened and told that i had to give my banking info so they could take {$200.00} and then {$100.00} biweekly until the sum of {$1000.00} was paid. This debt was for a closed bank account I had in the past but I only owed this bank {$140.00}. They said my payments would be reported to the credit bureau but it never was.. infact another agency tried collecting for this account a year later.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation