vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
my bank has barred me from my online account, they had a web redesign and after that we were to reset our passwords, and receive a call or text with a 4 digit number to confirm our identity, well they never sent the number after numerous months of trying i called to complain and seek entry by administrative process, well guess what they don't do that it's an automated system and i have no redress! they call me on my XXXX using an XXXX number and ask me personally if i can receive XXXX numbers on XXXX! i have used XXXX   exclusively for the last 9 years and have always had access to this banking information, phone banking and the online web banking, now they act like they can't help me in any way, when they call me for information they are cross and rude claiming it's all my fault, they wont let me have a 4 digit number to get in nor can they let me in

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: AZ

Complaint narrative:
I have disputed the XXXX XXXX account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account Equifax just sends back a notation that the account has been updated. And trying to reach a human being at Equifax is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because Equifax infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XX/XX/XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to Equifax after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XX/XX/XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned XXXX is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Im due for 3 payments. They wont accept one. They say I must make two payments that I cant make.

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 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX  gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned  On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XX/XX/2019 ... we refinanced and paid off the mortgage that was been service by Loan Care. They told me it would take 30days to receive the reserved escrow money. Is now XXXX way more than 30days and we have not seen any money. They also over charged on the fees to get payoff and updates on the # s. Would like to see if this agency can look into why they holding on to escrow money for so long. The account online stating now that it has been {$0.00} in the escrow even all of XXXX.which is not true

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 2019-06-12 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: NV

Complaint narrative:
Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and Transunion. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on 5/30. However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is nowXX/XX/XXXX and I have yet to receive anything else.

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 2019-06-12 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: NV

Complaint narrative:
Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from Equifax and XXXX. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XXXX and I have yet to receive anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has incorrectly reported our mortgage loan balance as increasing to XXXX  and XXXX  for two months in a row. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the Wells Fargo page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a loan car lease with J.P.Morgan Chase. I paid my final payment of {$400.00} in XX/XX/XXXX within the month that it was due, however a non payment record went on my credit report. When I realized it was on my report in XX/XX/XXXX I called Chase. They verified that the payment was made, questioned why it even made it to the report and said they would contact the credit bureau to have it removed. I also asked for a letter to be sent to my home address stating that the loan was paid for during XX/XX/XXXX in which they said they would. This was necessary as I was in the middle of purchasing a home and needed proof of clearance. XX/XX/XXXX I still didnt receive the letter so I called Chase again. They reassured me that they reported the correct info to the credit bureau, that I'd have to wait 30 days for it to update and that they would send me the letter I had been waiting for. Two weeks later I received the letter, however it did not mention anything about properly paying the loan in XX/XX/XXXX on time. It said the account was closed and paid in full. In XX/XX/XXXX not only did Chase not send me the proper letter they sent one stating that they reported the correct info to the credit bureau. During this time of calling each month and being told to wait 30 days for an update my credit report has dropped 100 points, and states that the car loan was paid in full after collections and closed the account as of XX/XX/XXXX. This is very unprofessional of them and I shouldn't have to wait another 30 days to improve my credit score for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
I received an alert through email showing I had a new collection on my credit report from XXXX XXXX  XXXX, with the original creditor being XXXX XXXX XXXX. I spoke with both XXXX, who couldn't find the debt under my name or date of birth, and the collection agency. The collection agency stated they reported the ARC debt under a DIFFERENT XXXX XXXX with a DIFFERENT DATE OF BIRTH. However, Equifax put this debt on my credit and now I have to wait 30 days for the " dispute and investigation '' to be completed. They made a very big error and now my credit score is going to go down because of their mistake. I shouldn't have to wait 30 days for this dispute to be completed and for this debt to be removed. Equifax screwed up and the debt needs to be removed IMMEDIATELY ; not in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I made a deposit of {$1600.00} into my primary checking account at Bank of America, I was told it would be up to a two day hold on my deposit the deposit check I deposited was a valid check which has been confirmed by me at the Bank of America with the payee of the check and their financial institution that stated to them that the funds cleared their account on XX/XX/XXXX when submitted. On XX/XX/XXXX the funds were deposited into my account in which I did less than five transactions then today XX/XX/XXXX the funds were taken out of my account from the deposit which now resulted in me having a negative balance of over {$1600.00} at which the bank claims that the check is a fraudulent check which is incorrect. Bank of America refuses to release the funds into my account saying now that the federal reserve has not transfer the funds to hem Which is falls due to the fact that the XXXX XXXX XXXX confirm that Bank of America receive the funds on XX/XX/XXXX By Bank of America claims that the Federal Reserve never deposited the funds from my account. Bank of America has now put me in extreme financial peril due to their practices in which they have caused my first deposit the funds into my account and then removing 24 hours later the funds for no reason whatsoever

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 2019-06-12 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: OH

Complaint narrative:
I submitted four letters to Trans Union, XXXX, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP XXXX You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. Transunion has an Ok. XXXX is not reporting anything incomplete Transunion you are  reporting a ok late XX/XX/XXXX Transunion you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP Experian You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. XXXX has an Ok. XXXX  is not reporting anything incomplete XXXX  you are reporting a ok late XX/XX/XXXX XXXX you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC 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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I qualified for a {$5000.00} limit Barclay 's Ring credit card with a 0.0 % APR on balance transfers until XX/XX/XXXX. I called customer service and transferred money from another credit card. Barclay 's told me I could only transfer {$4900.00} and that there is a {$98.00} fee ( 2 % ) per transfer. That was never mentioned in their advertising. I said ok. All of this happened on Friday XXXX XXXX. On Monday XXXX XX/XX/XXXX, I got a call from Barclays saying they needed to verify my identity before they could make the transfer. I answered all of their questions, and then they said that since my ID had not been verified on Friday, that they cancelled the transfer and that I would have to resubmit the transfer. They would transfer me to customer service and they would take care of it. They transferred my to customer service where they proceeded to tell me that the 0.0 % APR was no longer available to me .... this is a classic bait and switch by Barclays.. I did not take their other offers and hung up.

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 2019-06-12 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:
I am sick and tired of Experian marking my complaints here as duplicates! They marked complaint # XXXX-XXXX as duplicate, citing complaint XXXX-XXXX from XXXX, which they ALSO DID NOTHING!!! If you all keep this up, I will be looking into legal means and sue for every ILLEGAL REPORT in my credit file. Your practices are ILLEGAL. You are NOT supposed to ignore disputes! Please tell me how an account concurrently reporting POSITIVE AND NEGATIVE FOR THE SAME MONTHS gets ignored!! I KEEP HAVING TO FILE COMPLAINTS HERE BECAUSE SOME XXXX AT YOUR COMPANY KEEP MARKING MY COMPLAINTS AS DUPLICATES!!!

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 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: KS

Complaint narrative:
I was contacted on about XX/XX/XXXX with regards to a hospital edebt in another state. After speaking with the person on the phone it was determined that I was not the person that incurred the debt and was asked to write a letter stating that information. On XX/XX/XXXX I received several credit alerts stating that a Derogatory Account had been posted against my credit report with both XXXX and XXXX. I have disputed the account with both credit agencies and attempted to contact someone from the credit collection agency but have not received a response. 

My credit agency account has had an " Alert '' for common name placed ion the account since XX/XX/XXXX, whem I contacted XXXX they confirmed that my account is STILL noted with the following note ( paraphrased ) " Fraud Alert : Common Name verify identity prior to granting credit or reporting on this account ''. 

This collection company has failed to do that and posted a derogatory report against my credit anyways and has made no additional attempts to contact me, even though my credit report phone and addrerss are 100 % correct and have been since XX/XX/XXXX. 

The name of the company is Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ( XXXX ) XXXX

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 non-monetary relief