vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX accepted payment it is refusing to apply correctly. An account was opened, then closed without informing me. A new account was opened and used, then paid on time and in full. Payment was to the closed account and not properly adjusted. The payment is being returned to me rather than cancelled and sent to where it would be correctly processed. They are charging me for not paying on time when I did. They are not guiding me on what to do if I do n't receive the check to return it, and what their plan is if a different check needs to be issued in terms of who it would be issued to. I have marked my calendar for XX/XX/17 to inform them if I was not able to return the check to them.

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 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AL

Complaint narrative:
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing XXXX XXXXt XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AL

Complaint narrative:
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing Rock Ct XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX AXXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with 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 2017-10-20 00:00:00
Product: Debt collection — Other 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: Valer Enterprises, Inc
State: NY

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX ny XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying XXXX had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We have been trying to modify/refinanc my mothers mortgage. Wells Fargo keeps turning us down. We had previously filed a complaint Wells Fargo acted like they wanted to work with us then proceeded to act the same way

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: DISCOVER BANK
State: CA

Complaint narrative:
Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online on 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 monetary relief
Consumer complaint received 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. TRANSUNION & XXXX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. TRANSUNION SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other 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: Valer Enterprises, Inc
State: NY

Complaint narrative:
valer enterprises at XXXX XXXX XXXX, XXXX XXXX XXXX ny  XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying coscto had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Submitted dispute to Equifax regarding an incorrect address on my credit report. 

I received an email that the dispute was resolved on XX/XX/XXXX, 2017. HOWEVER, when I tried to login to the Equifax website to see the status of the dispute and what now shows on my report, I was denied access due to " inaccurate '' information to verify my identity and they asked me a ton of questions verifying my identity and I do n't even feel comfortable giving them all this considering they just lost a TON of my data and others.
I ALSO tried calling and was repeatedly hung up on before I could ever get to a representative.
I want my credit information to be accurate and I saw this address on a different report which was successfully corrected. I do n't want my identity stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I 've had a credit card with Wells Fargo for over XXXX  years, and just found out it the account was closed on XXXX/XXXX/XXXX. I have not used the card for over XXXX years, and when I called the Credit Card services division of Wells Fargo to inquire about the status of the card after finding out from a branch banker that it was n't active, I was told that the account had been " closed by the consumer ''. I am the consumer, and I absolutely did not close this account. After further requests, I was later told the account was actually closed due to lack of use, something I was absolutely never made aware was impending or had been completed, despite the claim from Wells Fargo that they sent XXXX letters on separate occasions to notify me of their intent to close this account. 
I am aware of the benefits of having long standing good credit, and this card was XXXX of the primary tools I 've had in my credit portfolio for over a decade. I currently am in possession of a Wells Fargo XXXX XXXX card that does not expire until XXXX XXXX, and am fortunate I did n't attempt to use this card as it has been closed for almost a year and a half without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. XXXX & EQUIFAX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. XXXX SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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:
On XX/XX/XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received the card statement attached below after the due date, which due date was XXXX XXXX XXXX. I am not sure if it was sent to the wrong place or if it was sent to a neighboring house and they realized but it appeared in my mailbox after the due date. Due to this I went online to create an account ( I believe on either XXXX/XXXX/XXXX or XXXX/XXXX/XXXX ) to attempt to pay the card issuer Capital One but by then it already had a late payment penalty of an extra {$28.00} on the card, min due was {$59.00} and online it was showing {$87.00}. Because of this I ended up calling to try to resolve the issue with the card issuer. I spoke to an initial agent she said she would be happy to waive a late payment fee due to the situation and especially it being the first payment and given my situation. I replied thanks and that this should be the only time since I am now registered online and can check and pay bills before the due date moving forward. She then assisted in helping me pay the statement that was sent late & I paid {$60.00} on XXXX/XXXX/XXXX. I then asked for what my next payment would be on XXXX XXXX and she said {$87.00}. After several minutes of discussing & doing math I explained that I was still being charged extra {$28.00} I asked her to escalate to her supervisor. After 20 min of discussing the same with her lead XXXX XXXX Id # XXXX ) he said nothing can be done. I explained that surely this situation happens and that I ca n't be the only one who got a statement late after the due date. I went on to try to explain that I was now signed up online so I can check for statements and that due to the error on their end I was asking for a one time grace for the late charge of {$28.00}. He just kept saying that is not how it works and nothing could be done. I explained that the late fee was waived given the situation so why ca n't the Penalty APR because that is the extra they are basically charging for getting something in the mail after the due date. So because of that there would be no way I could have ever paid before the due date because I had not statement to refrence to pay. My account # with them is XXXX. I also explained that I was trying to work with them and paid the statement balance due as soon as I had it in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Due to Hurricane Ir
ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted request the Free Annual Credit Report online to Equifax and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.

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 2017-10-20 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: GA

Complaint narrative:
I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief