vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I recently ( XX/XX/2018 ) tried to apply for an auto loan through my credit union and was denied due to a previous existing auto. Mind you I am a first time car buyer so I was unsure of what account they were referring to. I am not very educated on exactly how credit works outside of the normal usage ( spending lines, purchases, etc ). When I went to pull my credit reports from all three bureaus is when I noticed this problem. From the way the account appears on my reports, I am not the primary account holder but some how I am in a joint bind with another person that I have no knowledge of. I wish to address this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting inaccurate information on my credit report. XXXX  Acc # XXXX is reporting lates on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Experian was reporting was wrong but they have failed to contact me or remove this 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 non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Experian continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Weber & Olcese, PLC
State: MI

Complaint narrative:
XXXX XXXX services had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired weber/olcese. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX   and weber/olcese through email, but now when I email XXXX about this they only give me a number to call. I have made several attempts with XXXX  to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I deposited {$300.00} on XX/XX/XXXX into XXXX XXXX for {$250.00} worth of Bitcoin and  {$50.00} worth of XXXX Cryptocurrency. Then on XX/XX/XXXX I tried to deposit {$300.00} more via bank deposit but was denied. My account recorded a negative balance of - {$290.00}. I then did a bank Transfer on XX/XX/XXXX for {$300.00}. My account still says - {$290.00} and they say I need {$300.00} more to be at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Equifax continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputed amount via XXXX that account belong to ex spouse that fraudulently used my information. XXXX XXXX continues to report derogatory mark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The debt was sold to collection agencies. The debt was paid to XXXX and XXXX XXXX XXXX. 

The debt is still reflecting negatively as XXXX  and XXXX on my credit reports.

It is still being reflected in my collections section on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I purchased a pair of men 's dress pants at XXXX 's department store on XX/XX/XXXX. On XX/XX/XXXX, I made an even exchange for one pair and returned one pair. Due to a mistake at the register I did not receive credit at the register for the pair that I returned. I called the store when I discovered the mistake. The store manager, XXXX at Mall XXXX XXXX in XXXX, KY performed a store audit and found the mistake. She promised me a credit to my store credit card for the dress pants. Several months passed and the credit card company Wells Fargo refuses to refund my monies stating that there is no receipt for the transaction. Of course, there is not a receipt. The mistake was made at the register. Wells Fargo must go back to the store audit and the store manager to find the mistake and acknowledge it. XXXX refuses to speak to Wells Fargo and Wells Fargo refuses to speak to XXXX. Of course, I don't have a receipt. I knew this the moment I realized there was a problem on XX/XX/XXXX. That's why the store audit was conducted and the mistake acknowledge by the store. Well 's Fargo refusing to communicated with the store on this point is equivalent to theft. I have received no less than three letters telling me I do not have a receipt. This is silly and wrong. I can provide copies of the letters, but I can not provide copies of a receipt when the mistake was made at the register. The store audit should be proof enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am a victim of identity theft at one point there were addresses listed on my Credit Bureau reports from XXXX, XXXX XXXX, XXXX  and multiple addresses here in XXXX where I live I reported the fraud to the FTC I file police reports and in addition to that there were fraud alerts added to all of the three major credit bureaus the other Banks all acknowledge the fraudulent activity and have removed the fraudulent accounts from my credit report but for some reason Bank of America is still standing by their their decision that this is a legitimate account please show me some proof so far you've not provided any proof guess an account was opened yes it was used but not by me and of course the information is similar this is why it's called identity theft if the information didn't match mine it wouldn't be called identity theft please explain your point of view you keep telling me that you have validated the account because the information matches of course it does this is the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
On XX/XX/XXXX I notified Wells Fargo that someone was using my debit card fraudulently. Part of the fraudulent transactions were credited back ( {$240.00} ),  however the following transactions have not been refunded to me as of XX/XX/XXXX : Transaction Date- Amount- XX/XX/XXXX {$4.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} The total of the transactions was {$130.00}. I called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and twice on XX/XX/XXXX. Wells Fargo has refused to give my money back from from the fraudulent charges on my debit card. My Wells Fargo claim # is in the attachment. I have had the same checking account since I was XXXX years old so I have had my account 29 years. Wells Fargo is refusing to refund my money but they advertise a " zero liability '' program with their debit and credit cards. I am asking for assistance in recovering my money as I have spent countless hours on the phone trying to resolve this matter with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I sent XXXX proof that I cured the bankruptcy with Chase in XXXX. Attached. I filed bankruptcy in XXXX. Chase is erroneously indicating on my credit report that the debt was included in Chapter XXXX Bankruptcy on XX/XX/XXXX. 

I filed bankruptcy in XXXX. My credit report should exclude bankruptcy since I am in a Chapter XXXX in 7 years. The bankruptcy should be removed in XXXX but it is still on my report and they indicate it will stay reporting until XXXX which is 13 years after I declared bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TN

Complaint narrative:
I contacted the local store before I submitted a request to open a secured card with wells fargo. I asked the branch worker if my card will graduate to a unsecured card within a year. She assured me that it would. It has been 16 months and my card is still a secured card. I have reached out to the executive consumer department and they keep giving me a run around because they said I opened the card online. I did but it was based on the pretense of the information I received from the branch. This is ridiculous, I am trying to find out exactly why the account did not graduate. The only thing they keep telling me is that its based on the overall interaction with the company. Since I have opened this card my account has never been late and I haven't had a bounce check or account in an overdraft status. This is a ploy for this company to keep consumers money. I have asked for details explaining this and have yet to receive an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Beginning mid XXXX, I began noticing the same unauthorized charge of XXXX dollars and change on my account. The same charge would appear each month. Each month I would call USAA to dispute the charge and ask them to deny the ( obviously ) constant debit of my card. USAA could not prevent the activity on the card. In XX/XX/XXXX, I cancelled the card with USAA - having no faith in their protection of my privacy as a card holder. I shredded the credit card, and had no further problems until today ( XX/XX/XXXX ). 

I received a bill from USAA on the CLOSED account - for the SAME fraudulent charge! 

I called USAA and waited on the phone for over an hour and a half, and finally hung up. 
USAA is definitely not able to rectify this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra inaccurate information ftc,,fra violaiton

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
RE : Capital One This bank has refused to investigate any of my disputed transactions. 

These are the dates and amounts of my disputed transactions : XXXX XXXX- XXXX XXXX XXXX , XXXX US Posted Date : Saturday,XX/XX/XXXX Transaction Number:XXXX Amount $ {$87.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount : {$40.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount {$24.00} XXXX XXXX XXXX XXXXXXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount : {$61.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number:XXXX Amount : {$140.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$26.00} XXXX XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$68.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX {$1.00} Amount : {$83.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount {$140.00} XX/XX/XXXX - {$43.00} - XXXX XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XXXX XX/XX/XXXX - {$600.00} - XXXX XXXX XXXX XX/XX/XXXX - {$500.00} - XXXX XXXX XXXX XX/XX/XXXX -  {$500.00} - XXXX XXXX XXXX I can not get them to investigate these fradulent transaction nor will they give me provisional credit. I have given them ample amount of time to do something. I continue to get stonewalled with a boilerplate communication which have nothing to do with the transactions. Please help me in anyway you can. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 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: Nelnet, Inc.
State: CA

Complaint narrative:
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed XXXXXXXX XXXX XXXX. Then to Nelnet/Dept of Ed Student Loan Service. XX/XX/XXXX, of each year, a deferment was applied for and awarded.

Company response to consumer: Closed with explanation