vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: NM

Complaint narrative:
On XX/XX/XXXX I was made aware of fraudulent transactions after being in the hospital for a severed finger. I had been unable to check my bank account online due to no service in hospital and when I was released I was made aware of these transactions. Then I made a note and went over all receipts and there were multiple unknown transactions after I had used the fuel pump and got gas. Three online two in stores and one manually entered. I called the bank and notified them. Three days later they called saying they were suspending my debit card use for 12 months for protection due to my past disputes from my soon to be ex husband who I have not given permission or allowed to even be near me cause he wrote bad checks and stole my debit card multiple times. Then the next day they closed my claim and stated that no signs of fraud were made aware. Then when I tried to escalate it they told me there's nothing I can do even if he somehow stole it or someone else did they knew my pin and had my card which I believe I had but I was also in hospital and unsure of placement of items. The dates were XX/XX/XXXX for the amounts of XXXX XXXX XXXX  XXXX XXXX XXXX 's XXXX tracsup 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 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called to Barclays apple card to make a onefull payment and end monthly payments I want pay all since last 4 years ago but they said no to me they denied it. Im still paying me minimum monthly payment that it is all for interest i will never end to pay XXXX became in XXXX when i called them they was very un respectful with me they told Sir man fella also they use you have a trans voice man I feel denigrating every time I call them when i got the card i was paid a insuranse cuota saying if me lost my job they paying monthly minimum but they denied it too. 
they have m 5 years charging to my bank of American saving account minimum payment with out my permission i had to pay XXXX dlls but they charge my 99.99 % of montly mayoent to interest and I still having the XXXX to pay in my Barclays card. The account was closed with out concert my card was loccked but not my payments since 5 years ago they told me cause security reason they said they can trust in a women with a man voice they said that cause they sure i have man voice I never miss a payment they always taking the money from the women they said having a man voice bank account since the last 5 years in that moment when they receive the payment they doesnt think im a man rigth? 

Im denigrate Im insulted they broken my right they still my time and my money i need help to stop this

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 2021-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a Citibank Checking Plus - Which is an overdraft protection in XXXX. I closed the account around XXXX. The balance I believe at that time was $ XXXX {$400.00}. Citibank continued to take out automatic payments out of my account. 

I have been paying those automatic payments for over 13 years. I havent gotten a statement in many years. I was closing my credit card today and wanted to see the balance of my checking plus, I was puzzled why I still even had an account open, even if it was the minimum payment due. The gentleman on the line told me I owe {$530.00}! I said that is impossible, I havent made one charge in 13 years. 
They told me they stopped sending me statements years ago and they can not see my transactions because my account is closed. I stated how can you not see my transactions when you automatically take money out of my account for 13 years. 
I was transferred around several times to no avail. They would not close out my account. This is an erroneous error on Citibank and I have now paid over {$2500.00} on a supposed {$530.00} amount that never deteriorates. I would like this account completely closed. I also want to make a complaint since they were siphoning money from me for years. I do not want this to happen to anyone 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 2021-04-17 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I opened an American Express account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told American Express on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate American Express!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leap Credit, LLC
State: SC

Complaint narrative:
I received a notice via US mail from this company called XXXX. Among opening the mail. I noticed there was no account number that was linked to my name. There was no statement to inform me that it was attempt to collect a debt. All was on the letter stating that I missed 3 re-payment installments. A late fee will be assessed on these installments. 
On the letter it listed the installment dates for payment. It did stated that I could call XXXX to complete payment. 

In closing the letter the company put, In case if I fail to make the payment by the due date you may be reported to the credit bureaus. 

I have attached the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: LA

Complaint narrative:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate 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 2021-04-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: LA

Complaint narrative:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate 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 2021-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I had leased a XXXX in XXXX for 39 months which was the agreement. I returned the back when the lease was up, but did owe them for mileage in the amount of {$5700.00}. When I returned the car I was told that someone would be reaching out to me to make payment arrangements. I have been trying to reach someone for over a year that could help me with this issue and no luck. I sent a letter on XX/XX/XXXX, still no one has reached out to me. However, they have reported to the credit bureaus that I owe that amount which is correct, but attached a monthly payment of {$480.00} which was my monthly lease amount. That is in correct since I finished my lease and returned the car in perfect condition. I need someone to reach out to me so I can make payment arrangements and have them remove that monthly payment from my credit since I dont have the car any longer and that was my lease payment not my mileage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
My wife opened this account without my knowledge. She had access to our home computer, my dob, ss #, checking account and email. 

She used the proceeds from this loan to payoff all her charge cards which were at their maximum limits. 

At no time did I open this account with lending club for {$8600.00} It is now in collections with XXXX XXXX XXXX. for the above amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
Harvard Collection Services, located at XXXX XXXX XXXX XXXX, XXXX, Il XXXX Phone number - XXXX The above company placed a debt on my credit report that I did not open. I was neither called or notified of any debts owed. I have never opened any accounts in XX/XX/2021 as alleged and not paid. I am in the middle of purchasing a home and this was placed on my credit, They have over 60 complaints with the XXXX  of this action also. 

After further research I found that this company creates invoices and places them on people credit report, or take years old debt and place as new debt to scare people into paying debts, They also use illegal and intimidating threats to threaten arrest and actions against people to scare them into paying false debts. 

I am requesting this information be removed from my credit report on all 3 bureaus and me notified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
In XX/XX/2020 XXXX XXXX settled with me through a lawyer for the amount of XXXX on a joint loan. They agreed to monthly payments of XXXX a month for 24 months. I have been making the payments the lawyer and on my credit report is still wrong. They are still saying I owe more and not making timely payments. I have all receipts and letter of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  A - Account # XXXX-XXXXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Santander Consumer USA Holdings Inc.

Complaint narrative:
Santander states that the reported date of first delinquency is XX/XX/XXXX. The statute of limitations is determined by adding 7 years to the date of first delinquency and that it will remain on my credit report until XXXX XXXX. BUT Santander failed to update and report my payment history from XXXX XXXX XX/XX/XXXX its left blank, but Santander XXXX an on time payment at the end of the year in XX/XX/XXXX. Why is that? I can tell you why because by reporting that payment history from XX/XX/XXXX that will be pass the statue of limitations. This account is Outside of the statute of limitations on collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
In XXXX, I was going through my XXXX credit report and noticed that Grain Technology had not reported my account statement since XXXX. On XX/XX/XXXX, I sent them a message asking about whats going on with the lack of reporting with screenshots from XXXX that show the most recent report being in XXXX. They didnt respond until XX/XX/XXXX, I also tried calling them in that time but no representative answered, with some generic answer about escalating it to the credit reporting team. I tried to follow up with them, and on XX/XX/XXXX, I received a message that XXXX did not update our XXXX and XXXX credit reporting and that they have resubmitted the reports. Since then, my XXXX statement date of XX/XX/XXXX has passed and the only change is reporting has been updated to XXXX ... still three months behind. Grains reporting is also one month behind for XXXX and XXXX. Ive opened disputes for those, since contacting the company directly has been ineffective ; its a terrible product with even worse support and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from Experian and XXXX. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at XXXX. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. 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
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on Experian nor XXXX. 

Every time i submit a dispute to Experian and XXXX  thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent Experian and XXXX  a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting 3 inquiries on my credit report. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Ive contacted XXXX XXXX XXXX and they could not validate that I authorize the inquiry. I have enclosed a correspondence that they mailed to my address stating the facts.

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 2021-04-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from XXXX  and Equifax. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX  have the scores revealed there, but they are at 0. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX XXXX  XXXX. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but XXXX  and Experian have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.

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