vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: NY

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This company placed a collection account on my credit that was and is not mines. I do not owe any money to them and to who they are collecting for. I will be filing a ID theft dispute with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
The debt collector, First Federal Credit Control , XXXX, repeatedly called using different telephone numbers and did not leave a message. When I called back the numbers the party that answered did not identify themselves as a debt collector until I gave them my name, then kept demanding personal information. I received a notice from First Federal Credit Control on XX/XX/19 regarding an alleged debt vaguely identified as University XXXX XXXX XXXX, account # XXXX. On XX/XX/19 I sent a letter to the collection agency requesting information to identify the original creditor, a copy of the last billing statement, and the authority of the collection agency to collect the debt. I also requested that the debt be treated as in dispute until I received the information requested. To date, I have not received a any information. Last week I noticed that the alleged debt had been reported to a credit reporting agency without being reported as in dispute. On XX/XX/19 I sent a letter to the collection agency instructing them to immediately remove the collection notice from any credit reporting agency to which it reported it. I also instructed the collection agency to cease all communication until they provided the information I requested, including any information required under the Fair Debt Collection Practices Act. I have noticed that the collection agency used the same account number for this alleged debt as they did with different alleged debt that is also in dispute. I have filed a complaint with the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Statring in XX/XX/XXXX when I notified CITIBank that I did not authroized tranfering {$2000.00} to one of their fake accounts at with time I canceled my card! From then until YOU stop them ; Administrative Proceeding File No. XXXX, CITI BANK charged my CANCLED account over {$20000.00}. The took me to court a years ago! New Case # XXXX XXXX and tryed to push it through court with out notitfing me! the courts fismissed the case. On SundayXX/XX/XXXX I recieved a summens from their local lawyers : XXXX XXXX XXXX and XXXX XXXX XXXX Phone # XXXX! 
I was never paid by CITIBank as per your orders, back in XX/XX/XXXXI was NOT a card holder. 

I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Send money to a seller online after I sent the money I never received my item and the seller will not contact me back regarding my purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I opened a XXXX Credit Card, due to being offered a 0 % promotional 12 month interest rate due to my purchase amount. I have been charged {$55.00} in interest so date, and continue being charged interest, and the company is refusing to reverse these interest charges. I have repeatedly stated that I am still within the promotional period, and that I would not have opened the card had I not been offered the promotional 0 % interest offer. 

The offer read as the following : " Your purchase qualifies for a 12 month 0 % special financing. 
6-month special financing on orders over {$210.00} 12-month special financing on orders over {$490.00} 24-month special financing on orders over {$840.00} 36-month special financing on orders over {$1200.00} 48-month special financing on orders over {$1600.00} 24-month special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX mattresses over {$840.00} XXXX special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX   mattresses over {$1200.00} '' My purchase was for over {$490.00}, therefore qualified for 12-month 0 % interest financing. Again, I never would have opened the card had I not been given this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: CT

Complaint narrative:
Mortgage was sold by local financial institution, XXXX, to BB & T. I have accounts and electronic banking with XXXX. Not a customer of BB & T, other than now forced to be for mortgage servicing. Have tried unsuccessfully to enroll in online banking for BB & T, thus submit monthly mortgage payments via check with BB & T issued deposit slips and envelopes. There are no BB & T locations within 50 miles of me ( vs 24 locations for XXXX ). It seems to take ~5 days for mail correspondence between myself in CT and BB & T in NC. 

My XXXX mortgage check bounced, unbeknownst to me ( explained in attached letter ). There was no indication, other than ( in hindsight ) a {$25.00} NSF fee posted to my bank account on XX/XX/XXXX. The check had been mailed the first week of XX/XX/XXXX. 

BB & T did not notify me until XX/XX/XXXX of the issue. At that point, it was already 30 days past XX/XX/XXXX due date ( alternatively, since the mortgage isn't late until after the XX/XX/XXXX of the month, you could also argue that it is not yet 30 days late since a payment was made on XX/XX/XXXX, before XX/XX/XXXX ). 

BB & T notified me of the declined payment on XX/XX/XXXX, at which point I immediately addressed the issue. In fact, I had already mailed a regular monthly check on XX/XX/XXXX ( since I was unaware of the issue ), which BB & T processed on XX/XX/XXXX ( the aforementioned XX/XX/XXXX payment. 

BB & T reported the delinquency to credit agencies on XX/XX/XXXX, despite, at that point, being caught up given the XX/XX/XXXX payment. I continue to receive mail correspondence from BB & T, all with different balance due amounts, foreclosure documents, etc., clearly illustrating that BB & T 's processes are lagging. BB & T is not meeting the standard of mortgage servicing that was agreed to with original loan underwriting. It was not possible to rectify the payment issue within a 30 day period given the lag of communication.

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 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
m being charged excessive fees by CIT Bank for equipment that should have been salvaged .... My name is XXXX XXXX my company is ( XXXX XXXX XXXX ) I have tried on several occasions to buyout my contract only to find that I am still Liable for the entire term after XXXX XXXX and XXXX XXXX told me there was no prepayment fee or penalty ... ... I have spoken to several other people throughout loan period and no resolution ... .Just the same inflated payoff ... .Contracts- XXXX and XXXX. I am trying to settle this amicably but just doesn't seem to happen. One Loan has been paid completely from which I was informed I owe an addition XXXX ... .I have all bank drafts and payments that exceed the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly XXXX XXXX XXXX days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
ConServe is attempting to collect a debt owed on an XXXX loan to the U.S. Government. They are charging interest and 1/3 admin fee, and refused to offer a settlement or allow me to make a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CITI is again taking me to court again first time ( XXXX ) dismissed due to them not noitifing me and now case No XXXX for over {$12000.00} that was illegally charged to my account that I canceled in 2006 due to them illegally cahrging my accounts that they tranfered to a fake account? As the were forced to stop by your agencey File No XXXX. They are now trying to attach my social security and VA disabllity payments! Their local lawyer tlod me that they can attached my income from social security and VA disabllity, put a lean on my home and send m to prison! They also sid that they could go after my family members!!!

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 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Made deposit of $ XXXX, bank placed hold for a complete week and will not make funds available by date indicated on the deposit slip.

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 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I had an 401k savings account with a balance of {$9800.00} approx. with Wells Fargo from my previous employer ( XXXX XXXX ). Once i was layoff i had to do a rollover from my XXXX Account to another bank Account under my name. On XX/XX/19 i called Wells Fargo Customer Service line and requested the rollover. Several months later i'd noticed the funds were not on my IRA Account and called Wells Fargo again to let them know what happened. The agent i spoke with said the transferred was done on XX/XX/19 to call the bank that manages my IRA account. When i called the bank for my IRA account i was to to request evidence from Wells Fargo showing the Date, Amount, Bank Account, and Routing # to do an investigation. I called Wells Fargo again to request the evidence and a call back from a supervisor. The supervisor 's ( XXXX, XXXX XXXX XXXX ) called back and told me the same info and that the evidence was going to sent which they have not done 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 explanation
Consumer complaint received 2019-09-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife XXXX XXXX has a credit card with Bank of America. She disputed a charge. A generic letter was sent. While the merchant only stated via a phone callthat they did not receive the merchandise, Bank of America also asks for proof that the customer " followed the merchant 's return policy. '' They added requirements to discourage customers. 

They sent a letter dated XX/XX/XXXX from Florida. The postmark on the envelope was XX/XX/XXXX and arrived on XX/XX/XXXX. Bank of America states that the information either be fax or mailed by XX/XX/XXXX. The address is in XXXX XXXX TX and would take several days to receive ( I faxed the information on XX/XX/XXXX. ) The letter goes onto say that " If this information isn't received by XXXX XXXX, we'll close our investigation ... ..If this occurs, your account will be rebilled. '' I spoke to XXXX today ( XX/XX/19 ) and he stated that they did not receive my fax yet. 

This entire process by Bank of America is a fraud upon ALL policyholders because any written response would be outside of the due date. Please investigate.

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 2019-09-17 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 — Was not notified of investigation status or results
Company: AmeriCollect
State: GA

Complaint narrative:
On XX/XX/2019 I got collection record in my XXXX XXXX  report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX   called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a checking and savings account with an offer of {$300.00} for the checking and {$200.00} for the savings in BMO Harris Bank when I finish 2 direct deposit in 2 months and {$10000.00} balance on XX/XX/XXXX. I have already met all the requirements for more than 2 months. I opened the account with my friends together and they all got the bonus at the beginning of XX/XX/XXXX. But I never got it. I have called BMO Harris Bank 10s of times and every time they keep me waiting for more than 1 hour and then told me I have already met all the requirements and just need to wait a few days, one more week and next month. I have been waiting day by day, week by week and month by month for more than 3 months but I still got nothing. I spent more than 20 hours contact with them about this problem but haven't been solved. 
That's the worst experience I ever have with a bank. I suffered a lot in the meantime.

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 2019-09-17 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: TX

Complaint narrative:
I submitted a Second written request in writing to Transunion Consumer Info Services, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails from the Transunion credit bureau that the account have been updated and verified and is still listed as an open reporting account. # XXXX XXXX  XXXX XXXX XXXX {$730.00}

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 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2019, I was buying concert tickets from a seller. On XXXX messenger, the seller agreed to send the tickets through email after I sent money through PayPal. I sent the money but never received the concert tickets. I tried to file a complaint with PayPal, but they denied it. I also reached out to the seller on XXXX messenger as well as email. The seller blocked me on XXXX messenger and hasn't responded to my email. Could you please help resolve this issue. I transferred {$30.00} to the seller and was charged {$1.00} fee, but did not receive my concert tickets. My birthday is tomorrow and this is very upsetting. I appreciate your time in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGE IS REPORT NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I had an account with Southern Finance they never report to XXXX or XXXX they waited until i fell behind with payments due to health issues to report the debt. When i made an offer they promised me they would delete this account off all 3 bureaus. This has not been done. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS IS REPORTING NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation