vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is denying me the right to submit my disputes on line. They have advised it can not be processed on line and there is no reason that they should be hindering this process.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
There is a company Sequium Asset Solutions who have contacted me via mail on multiple occasions initially when I received the letter I tried reaching out to them this was XX/XX/2017. They have yet to answer the phone I have called them, sent letters and have disputed the account with all three credit bureaus. It was removed from one and not the other two I have even reached out to the original creditor in regards to the account. They could not give me any information because none of the info I gave them matched this account. This is NOT my account I had no knowledge of it prior to XX/XX/2017 and had not given anyone permission to use my info for this company I would like them to be removed off of my credit files ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am trying to transfer funds from XXXX on line bitcoin and can not transfer monies into my account. Bank blocking transaction. This happened last year as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My tax return was mistakenly setup to be disbursed to an account that has since been closed based on prior tax filings. I have an active account with the same bank. The money was received by the bank on XX/XX/XXXX. I called and discussed with them on XX/XX/XXXX and they opened a claim. I was told it would take up to two business days to process the transfer, why does it take this long? 

I waited the two business days and called on XX/XX/XXXX when there was no money. I called the bank again and was now told their policy is all money received to a closed account is returned to the sender after 24 hours. So my money was sent back to the IRS on XX/XX/XXXX. How does Chase bank have a policy of two business days to get transfer money as they stated while at the same time have a policy to send money back after 24 hours? 

So they sat with my money for 2 days and then send it back while an open claim is in process to put it into the correct account? I now have to work with the IRS to have the money converted to a paper check and mailed delaying my funds by up to 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar assumed servicing of a loan that was cancelled with a XXXX from XXXX, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from Nationstar attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from XXXX for this debt, acting as a substitute trustee, holding a lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have lodged disputes with XXXX and Wells Fargo with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law.  Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in 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 non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I advised that I did not owe the money as it was exorbitant as the carpet was clean and advised my rental company however they replaced it. 

I moved and did not receive anything from the rental company. 

In XXXX, i changed my license details & then got advice from a collection agency called procollect that I must pay after many phone calls. In the end I paid the debt and was promised it would not be on my file. 

Called again today to have it removed they said they would not remove it as it will be there for 7 years.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I rented an apartment at XXXX XXXX till XX/XX/XXXX. Before I left the premises I asked the manager of the property at that time how much I owned, because I left before the end of the month, and she informed ( her name was XXXX ) and she informed the amount of {$420.00}, which I paid by the date I left the property, XX/XX/XXXX. Now I receiving a collection from XXXX, which I tried to contact, but all persons contacted there were unprofessional and rude, they didn't want to list my reason, they just want to collect the money the that they say I need to pay. So I just want to be free of that collection. I know when I left XXXX XXXX several tenants were complaining of the management. The apartment where I lived I had a break in and the management didn't nothing to improve the security of the premises.

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 2018-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX assumed servicing of a loan that was cancelled with a XXXX from USAA, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from XXXX attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from USAA for this debt, acting as a substitute trustee, holding a lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX at XXXX XXXX called one of my co-workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Tuesday, XX/XX/XXXX, my wife received a phone call from a Texas number XXXX ( which was disconnected shortly after the phone call when my wife tried to call back ) stating that her husband was pending legal action on a civil matter and if she could reach me. She handed me the phone and the woman proceeded to give me a case number of XXXX and said I needed to call XXXX to speak with a mediator to attempt to resolve an outstanding debt from XX/XX/XXXX or I will be taken to court in 10 days. I called the number and was told the company 's name was XXXX XXXX ' by a man named XXXX XXXX XXXX He asked for the last 4 digits of my social security number and once given, read my entire social back to me and stated that if I go to court the amount would be {$3600.00} plus any attorney fees, but if I paid it the same day I could satisfy the outstanding debt for {$840.00}. If I wanted to split it into two payments, it would be {$1700.00}, but I needed to choose soon. I was given 48 hours after I told him I planned to speak with my wife about it. I have not been served, I am on XXXX XXXX, so I have been away, but my wife has not had any notification or attempts made to serve me while she has been home. When I questioned about the statute of limitations, XXXX XXXX stated that it does not apply to my situation because I moved out of state when I joined the service and that the reason the debt did not show up on my credit report which my wife has me check religiously is because it is from a bank and that would be in the XXXX. When 48 hours passed, he called me again at a XXXX number. When asked for the company 's name they stated " XXXX XXXX '' but when I attempt to locate information about the company or man I spoke with, I find nothing. I told him that I do not plan to pay a debt he can not and will not provide documentation for. He told me in order to show the debt, I would need to agree to a settled amount. When I said I wanted proof of the debt, he said he does not have it and the bank wouldn't since it would have been sold to a debt collection agency and that agency is likely not around either.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America credit card that I have a credit balance of .21 was closed suddenly after having it since XX/XX/2006. The excuse that was given was my co-applicant which is my mom had some debt. She has never been late on any of her cards and never used this card. I added her to establish credit. BOA lied by saying they tried reaching out .I asked if my co applicant is the issue take her off. They said if they open up the card than they will do that. You dummies, why not do that before you closed the card and will cost me an inquiry to try to reopen. No warnings or possible solutions were given before. The reps kept talking in circles and had a difficult time sticking to their original story. This card was closed based on assumptions. XXXX and XXXX would never act this way. My credit score is in the high 700 's but I'm being penalized again because of an assumption. This is simply wrong.

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 2018-05-04 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: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I reported the fraudulent account it was removed from my XXXX Credit reports The fraudulent charges are still being reported by XXXX. Ive filled a report with XXXX and the collection agency. My score went back up but the collection account is still on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used a Money transfer APP through Bank Of America, BOA called XXXX. I tried to send money, {$300.00} to myself to try placing it in another Bank, but the funds never reached me. I called BOA immediately to try finding out what happened. Turns out, I entered one of my phone number digits incorrectly. There was no verification through the APP to help catch this common mistake and I did not realize this had taken place. The application only gives a status of complete and BOA could not place a hold or anything on the funds only moments after I made the transfer attempt. I called BOA a number of times as directed and got different information on the status and was told a " claim '' would have to be submitted. After waiting 15 days for some notification from BOA, I called when I did not hear anything only to be told my claim was rejected and that there was no way to recover the money. The APP has a glaring flaw in that it doesn't allow multiple entry of the receivers account ID for verification of entry, there is no communication that occurs directly between the sender and receiver so that both can verify Identification and verification to release funds for full accountablity and finally, if a mistake is made, there should be rules both the receiver and sender must abide by so that money is not lost through 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 monetary relief
Consumer complaint received 2018-05-04 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: VA

Complaint narrative:
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from Credit Karma that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Huntington Bank. Please help my get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: VA

Complaint narrative:
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from XXXX XXXX that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello I applied for a Paypal credit card on XX/XX/2018 and I called and I was told by a supervisor that I was gon na get a letter and they emailed it to me and the letter said they need some paperwork and proof of Id and etc and have it notarized which I did and I fax it to synchrony bank and I called and ask for supervisor and and ask her if she received the paperwork and she said we dont accept fax and we dont ask customers to do that and she was very rude to me and told me to wait for a letter 7-10 but I already got the letter through my email and so far I havent got a decision yet

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 2018-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XX/XX/2018 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Security National Automotive Acceptance
State: GA

Complaint narrative:
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off 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 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo charged a late fee on my credit card on the date the payment was due. I saw the additional {$25.00} on my balance and there was no activity whatsoever. Not one person I spoke with could tell me what the {$25.00} additional balance due was. I closed my account due to the extreme hassle of having to do business with Wells Fargo. I found out a week later that the charge was actually a late fee, posted on XX/XX/2018. My minimum payment was due on XX/XX/2018. I was online to make the payment when I saw the additional balance ( I had not used the card in over a month ) and tried to find out what it was. See attached copy of my XX/XX/XXXX statement which shows my payment due on the XXXX of each month and the late fee posted on XX/XX/2018.

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