vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records 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 non-monetary relief
Consumer complaint received 2018-04-18 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: WA

Complaint narrative:
I filed a dispute with Equifax concerning a collection account by XXXX XXXX and XXXX XXXX. The same company. At the same time I sent a Certified letter to XXXX XXXX XXXX wanting a " proof of claim ''. I also sent a " cease and desist order '' to them. They did not supply any proof of claim and ignored the demand. During this time XXXX XXXX XXXX AKA XXXX XXXX sent a notice to Equifax saying the collections account was valid. They did not supply ANY PROOF of their claim. Equifax says the collection agency is not required to do so. This is completely ludricrous. That the most dishonest agencies on the planet are allowed to ruin somebody's credit and all Equifax has to say is they report what a collection agency says whether it is correct or not. On XX/XX/2017 my credit score rose by 28 points back to what is was before. But Equifax left the collection agency on my report. After I told Equifax I am disputing the collection agency 's results and told Equifax that I was filing a complaint with the CFPB they immediately lowered my credit score by 28 points the same day. It is completely clear Equifax is Retaliating against me for daring to say they made a mistake and demanding another dispute be filed with the collection agency. Equifax does not have the legal right to retaliate against me for daring to not agree with them and demanding they fix the situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
1. Wells Fargo arbitrarily prorated seller concessions on its Closing Disclosure to make borrower paid fees appear to be less than what they were. The closer confirmed in an email ( see attached ) the reason they prepare the Closing Disclosures this way is avoid reporting exceeding allowable tolerances and to manipulate the APR. 

2. Wells Fargo did not disclosure all fees on the Closing Disclosure. Wells Fargo charged three ( 3 ) appraisal fees that included an initial appraisal fee, an appraisal update fee, and a final inspection fee. Only two ( 2 ) of these fees were closed on the Closing Disclosure. 

3. Wells Fargo intentionally underestimated our loan payment and closing fees on the Loan Estimate. Wells Fargo re-disclosed ( with no triggering event or new information ) reflecting fees much higher than disclosured when we originally applied for the loan ( though nothing changed ). Cash needed for closing was around {$7000.00} higher and the monthly payment was around {$700.00} higher. 

4. Wells Fargo was deceptive by attempting to make the Closing Disclosure hard to compare with the Loan Estimate as the full fees being charged at closing were not disclosed. They attempted to use a seller credit to make the fees appear to be less than they were. 

5. Wells Fargo is attempting to collect more escrow than allowed ( escrow amounts are known as Wells Fargo has the tax assessment and homeowner 's insurance invoice ).

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted check # XXXX  from XXXX XXXX to BBVA Compass made out for {$1500.00} for the payment of my mortgage. This check was cashed by BBVA on XX/XX/XXXX for {$500.00}. I noticed the error on XX/XX/XXXX and contacted XXXX. They saw the check image and submitted an additional {$1000.00} to BBVA Compass to correct the transaction. I later received notification from BBVA compass that my mortgage was overdue. BBVA had not posted the additional {$1000.00} to my account and processed the {$500.00} payment as curtailment instead of a partial payment. I contacted BBVA on XX/XX/XXXX to have this issue corrected and they were unable to find the additional {$1000.00} transaction. I was told that I needed to contact XXXX   and have them send a copy of the voided check or transaction for the {$1000.00}. I contacted XXXX  ( case # XXXX ) and they provided me with the reference number ( XXXX ) and stated that BBVA was required to find the money since it had already been processed and finalized. I contacted BBVA again and was told that they would research and call me back ( reference # XXXX  ). I had to contact BBVA multiple times asking for the status only to be told after the third time that the research request was never created and I needed to send in a copy of my bank statement showing the {$1000.00}. I sent this on two separate occasions. Once on XX/XX/XXXX to XXXX, and again on XXXX XXXX XXXX to XXXX this last time with a new reference number ( XXXX ) and was told it would be resolved within 10 business days. I finally called again on XX/XX/XXXX and was informed that they never received the bank statement and didn't have a record of my issues dating back farther than XX/XX/XXXX. This has resulted in late fees being applied to my account, the accrual of additional compound interest on the {$1000.00}, loss of at least 15 hours as I had to fight this error, and loss of trust in the financial institution of BBVA Compass.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records 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 2018-04-18 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: PA

Complaint narrative:
My chase bank credit card account is charged without my approval and without my authorization by the XXXX XXXX XXXX for my travel though I have purchased a valid travel ticket for the journey. My Chase bank credit card account department denied my request to reverse charges and wants me to pay to airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: TX

Complaint narrative:
Repeatedly calling my personal AND work phone, threatening " action '' if I do not call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Wednesday I contacted Equifax to remove inaccurate address that's reporting to my file, and also notice 14 inquires reporting on my credit report that I never applied for or give authorization to pull my credit. Here is the list of inquires that are hurting my credit. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX   XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX As you can well see there numerous repeat inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was the XXXX  of a XXXX XXXX XXXX called XXXX XXXX XXXX. About 4-5 months ago Citi Bank sent a XXXX in the amount of {$1000.00} to my company. As you know all income of a XXXX XXXX XXXX goes to the individual owners.

The debt was a result of an unpaid XXXX  credit card obtained in the name of my company by one of my employees. THAT EMPLOYEE PERSONALLY GUARANTEED THE DEBT. Citi Bank has confirmed with me that they have no record of me authorizing said credit card or personally guaranteeing it. In fact, they have no record of me ever doing business with their bank, which is exactly correct. They have told me that payments were consistently made on this card until, at some time, they stopped with a remaining balance. They have no record of me or my company making said payments.

Citi Bank investigated this matter for fraud and said there was none. When I asked them to produce records that I authorized this credit card or that I had personally guaranteed it, they could not.

Citi Bank said they did not pursue the debt from the guarantor since the card was in a company name.

In effect Citi is claiming that regardless of who opens a credit card or guarantees it, if it is in a company name, the company owes it. This is ridiculous on its face.

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened an account with XXXX XXXX XXXX which is funded thru Bank of America. I never received the statement until XXXX XXXX. I called the XXXX  at XXXX  after returning from vacation. The young lady who handled the matter was not very polite. I explained that my statement was placed in XXXX XXXX  instead of XXXX & I have proof which she said was not needed. I informed her I didnt receive the card either. She said she was going to close the card & replace it with account ending in XXXX I requested to have the late fee removed. She said she would put in a request since its not XXXX XXXX fault but the Post Office. I also filed a complaint with the Post Office. I received the card on XX/XX/XXXX I activated it yesterday,XX/XX/XXXX. I went to use it onXX/XX/XXXX& it was declined causing me trama. I called & the 1st Customerservice rep hang up on me after I requested to speak with a supervisor. Called back & spoke with a female who claimed to be XXXX then a male who claimed to be XXXX   supervisor. Both confirmed account was closed. XXXX  said that the card ending in XXXX was indeed mailed on XX/XX/XXXX but canceled onXX/XX/XXXX but refused to say why. I asked him if the card was closed how could I activated it and he had no answer.

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 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION
State: IL

Complaint narrative:
I signed an agreement with XXXX XXXX XXXX XXXX  that is managed by XXXX XXXX XXXX to purchase a timeshare. Fraudulent sales techniques were used by the XXXX XXXX XXXX XXXX during the point-of-sale, I became aware of the many omissions, misrepresentations and undisclosed terms that were not properly disclosed to me prior to signing the timeshare agreement. The majority of the misrepresentations that were made by the sales representative had deluded my judgment and misguided me into the purchase. Conrad Acceptance Corporation is now attempting to collect on the Account. The last collection notice I received from Conrad Credit Corporation was datedXX/XX/XXXX and sent to me by XXXX XXXX a Collection Representative. Because the account is now negatively impacting my credit and stopping me from getting a home loan, I sent a Debt Validation Request dated XX/XX/XXXX, back to Conrad Credit Corporation to dispute the debt they attempt to collect. To date I have not received any other notice or correspondences from Conrad Credit in regards to the account or my debt validation request and they still show up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from 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 explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
OnXX/XX/XXXX I made an {$150.00} ATM withdrawal at the Wells Fargo ATM branch near my home. The ATM provided me only {$100.00} so it was shot {$50.00}. I went inside the branch and was immediately advised it's not their fault and they have nothing to do with the ATM. I was instructed to leave and call the XXXX number on my card to be reimbursed. In addition I was also instructed to make a second withdrawal of {$50.00} to cover my shortage of {$50.00} from the initial withdrawal. Later on XX/XX/XXXX I called and filed a dispute # XXXX. I have repeatedly asked for a timeline when this will be resolved and have not been provided any date or timeframe for review. I have also asked for a credit of {$50.00} to be placed in my account while they review the dispute and this has not occurred. The branch advised settlement for Saturday takes place on Monday XX/XX/XXXX and they could easily verify that I was not given the {$50.00}. I've still not received my money back. Wells Fargo seems to place barriers to intentionally discourage me from receiving a refund or receive clear guidance on a resolution timeframe. The branch employees do not know or understand the policies of the ATM services group. Perhaps Wells Fargo intentionally keeps funds from certain ATM withdrawals in hopes that customers will not notice or pay attention. This is Unfair and Deceptive treatment of a customer who has never filed a dispute.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX responded to complaint number XXXX on XX/XX/2018. They requested That I provide an identity theft report for them to proceed. Attached is the report they requested with my statement written on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 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: GA

Complaint narrative:
I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

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