vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost XXXX year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been XXXX year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
I have contacted Kimball & Tirey twice over the course of a week. The first time being on XXXX and the second time being on XXXX, both times I spoke to a manager whom I do not know the name of. This individual will get on the phone does not even identify who they are, and every time I have the displeasing pleasure of speaking to this person it is everything but professional. I call inquiring about my balance, asking for a breakdown instead of directly answering the questions she condescendingly responds and does not answer any question. This manager told me that I needed to submit in writing a request to receive my account breakdown, which I did not do because I located my disposition from the property which shows all the amounts included. I am trying to get this file closed, however this individual clearly lacks the basic fundamental problem solving skills you would think a highly skilled lawyer would exhibit. I can not get anything addressed, and for all I know the amount being reflected is not even accurate. I should be able to call and receive the proper breakdown for each amount that I allegedly owe, which I clearly can not. It is unethical to represent a company, and purport that I owe an amount and then when I make contact to rectify the issue I can not because of the incompetency of this individual representing this establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a capital one XXXX card and the bank is not crediting my payments on the date of receipt in accordance with the Truth in Lending act section 1026.10 ( a ). for example I made a payment via web electronically thru their app of {$900.00} on XX/XX/XXXX which they received XX/XX/XXXX ( XXXX ). I had to call today to get the payment " hold '' released. they wont tell me why my payments get held nor when this might stop but I know its against the law. i work in banking and I know that by holding payments, they increase their income tremendously. it needs to stop. this is the third tome in a month I've had to call to get my payment credited. please tell me how to help them understand truth in lending ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had fraudulent charges on my Wells Fargo account via a debit card. After hours of calling, I was put on the phone with a supervisor, they said that the person who used my card called into Wells Fargo, was not asked security questions, and changed my personal information online. 

Now, a month later, the exact same thing happened again. WF keeps allowing fraudulent agents to access my account via their phone system without proper security. They have obtained my SSN and DOB now as a result.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my XXXX XXXX credit card on XXXX XXXX through XXXX  XXXX XXXX, the total amount is {$500.00}. on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill. I contacted XXXX XXXX and told them I already paid the credit during XXXX, and fax them the documents from my XXXX XXXX XXXX account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
so as the fact, I paid the {$500.00} to XXXX XXXX, but they denied they received it. I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of 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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
From XX/XX/2017 to XX/XX/2017, Citizens Bank pulled unauthorized hard inquiries from my credit. I did not initiate or authorize these inquiries. They have negatively affected my credit. There was an inquiry every month for 6 months.I called customer service and there were unable to offer a explanation or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I logged into my USAA account portal. I was looking over loan opportunities and need to consolidate credit card debt. They offer an online application for loans. I selected personal loan and for the " purpose '' used debt consolidation in their offered drop down menu. Filled in my personal information and then it asked to me submit. It gave an immediate DENIAL! Reasons : Thank you, XXXX XXXX, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Excessive obligations Insufficient or lack of income Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Amount owed on revolving accounts is too high Which is unfair declining factors of the type of loan I applied for! It never asked what items I wanted to payoff! I worked in XXXX for 18 years and have even been a XXXX XXXX. If a debt consolidation loan is applied the first question to be answered is, which items are you wanting to payoff. Of course when these items would be marked for payoff, it would greatly impact the 4 declining factors they listed ( shown above ). I immediately call USAA and the lady argues with me, I asked to speak to a supervisor ( which I never was able to ), transfers me to an expediting department. I explained their reasons for denial are inaccurate and would greatly differ if you were able to choose the items you are wanting to payoff and close. 

The computer generated e-mail I received with the first denial was then removed the next day! They manipulated their system and now that document is NOT in my archived documents any longer as of XX/XX/XXXX. It now shows the attached letter stating my purpose of the loan was " Cover Personal Family or Household Expense '' I find it strange that after calling them and telling them I will dispute their unfair declining factors and the negative inquiry that the first letter is now gone. They make up this purpose which WAS NOT what I selected. Awful business and company to do business with. I sure hope all their service members are not treated like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I was sold a loan I could not afford. After paying nearly {$13000.00} as a down payment on the vehicle westlake refused to work with me when my household budget collapsed due to my wife having our child prematurely. I even consulted and considered filing bankruptcy with an attorney to help with my situation. But I was told by westlake financial the vehicle was already up for repossession and there was nothing I could do. After receiving this information we sold the vehicle to XXXX not 6 months after we purchased it and only got {$110.00} in positive equity back despite putting {$13000.00} down on the car in cash in XXXX of XX/XX/2018. And now westlake is continually delaying the overpayment check being issued because I mentioned I was consulting with an attorney. I also verbally revoked my consent to be contacted on my cell phone by westlake numerous times, but was still called by collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a Home Depot Credit promotional card that I use. in XXXX, I paid the balance of {$450.00}. Apparently, they found that the balance still owed {$1.00}. Unknown to me, they sent me a bill which included interest payment of {$250.00} + Interest payment of XXXX and plus interest charge of XXXX. 

Practically all the money in the balance is penalty for what they said was unpaid {$1.00}. 

You can't allow a big corporation to use its power again an ordinary consumer like and scam me of {$280.00}. 

Please help. This has made me sick.

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 2019-04-08 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: TN

Complaint narrative:
RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to Experian Credit and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I settled this account with LVNV collections attorney XXXX XXXX XXXX in the amount of XXXX. I made 3 payments. last payment was received on XX/XX/XXXX. closing this account out. I am still seeing this account open. I was told by LVNV that they havent gotten anything information from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they didn't have any information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sierra Holdings LLC
State: SC

Complaint narrative:
On XX/XX/19 I obtained a copy of my credit report from the three bureaus, listed on the report was a charged off auto loan listed by XXXX XXXX XXXX. I asked them to validate the debt because I know the account had been paid by the co-signer and removed from the co-signers account. I did not receive validation of the debt from XXXX XXXX XXXX. I went on to their website on XX/XX/2019 to find that they have transferred all of their accounts to a new company, XXXX XXXX XXXX XXXX ( XXXX ). I contacted XXXX and was advised by both a representative and manager that they have no record of the account and was given an email address to contact XXXX XXXX because they no longer have a telephone number. The email address I was given was faulty and not accurate. I have no way of contacting the creditor, XXXX XXXX XXXX, who has listed the account on my report, leaving me with no possible way to remove the item from my 3 credit reports. I have sent certified letters, emails, numerous phone calls with no response. I contacted the bureaus and was advised to do exactly what I have already done for the last 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XX/XX/2019 I put in a dispute for collection account Medical Data Systems Inc for {$1700.00}, the original creditor is XXXX XXXX University XXXX. This is on my XXXX  report that was disputed through XXXX XXXX. The DOD is incorrect ; Re-aging is illegal. On XX/XX/XXXX I received an email stating dispute was completed, my account is correct and it will stay on my credit report.

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: MD

Complaint narrative:
XX/XX/2016 Reported {$2300.00} Reported as Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax unfroze my account without my authorization. 
I froze my credit with all three credit agencies in XX/XX/XXXX. My credit has been frozen since XXXX, excluding brief periods in XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, Equifax provided my credit report to XXXX XXXX XXXX for someone applying for an account using my SSN and DOB. XXXX XXXX XXXX investigated the account and confirmed that it was created without my authorization. 
I have contacted Equifax ( a ) to freeze my account ( which should have been frozen all along -- I have the documentation ) and ( b ) to let them know I am filing complaints with the CFPB and the Pennsylvania Office of Attorney General. 
I have sent documentation to Equifax ( do not want to include/post it here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
I sent {$100.00} from XXXX as to XXXX XXXX on Friday XX/XX/2019 Recipient : XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX IN REVIEW XXXX {$1800.00} Your transfer is currently in review. 

Your transaction will be reviewed by XXXX XX/XX/XXXX PDT. 
TRACK YOUR TRANSFER And still not available for pick up! I tried to talk to them and nobody can get back to me! 
Please help my mom needs the money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX billing cycle show two payments one for XX/XX/XXXX and one for XX/XX/XXXX. the XX/XX/XXXX payment was credited to the wrong month XX/XX/XXXX and a XXXX late fee happened. The statement date is the XX/XX/XXXXof every month. I am on ssdi and is paid on or around the third of every month. I have used my banks bill pay service and never had a payment prepossessed to early. The same issue happened again in XX/XX/XXXX statement. two payments made on the same month. by the dates the second payment was after the XX/XX/XXXX of the closing date again and paid on the second day of the month. Called capital one and they said there two closing dates one on the statement and one that the billing cycle. and that the payment cam in on the second they were processed on the prev billing cycle. I spoke to multiple people 5 days apart on the second late fee of XXXX to have it removed. they would not remove it as they said it was on there billing cycle. I told them by truth in lending law the XX/XX/XXXX of the month was the closing date for payments. any payment after the XX/XX/XXXX had to be posted to the next month billing. there cant be two closing/billing cycle dates. they will not remove the second late fee of the account any penalty for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company
State: LA

Complaint narrative:
I sold 132 annuity payments to J.G. Wentworth in XX/XX/XXXX, {$1900.00} each. Totaling {$250000.00}. I received {$30000.00}. I contacted them to see if we could renegotiate the deal but was told there was nothing they could do. The payments start XX/XX/XXXX and end XXXX. I was led to believe that the reason I received so little was because of the risk they were taking. There is no risk. The payments are guaranteed and insured. Even if I died before XXXX the payment would then go to a beneficiary. I feel mislead and ripped off. 

When I contacted them for copies of all the documents related to the deal, I was sent the wrong papers. I tried 3 times before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation