vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there.  According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX   balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. 
After the 4 week waiting period, I visited my new banker XXXX XXXX   at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again.  Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.

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 2019-01-27 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: FL

Complaint narrative:
EQUIFAX XXXX  AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent {$1000.00} to a friend 's account in XXXX XXXX. The Moneygram site said the wire would take minutes to hours but as of today ( XX/XX/2019 ), the money has still not arrived. Moneygram withdrew the money from my bank account on XX/XX/2019. Despite three calls to Moneygram over a week, no one will tell me when the money will arrive or why there is a delay. I have submitted complaints online via messages in their website and I have called them and spoken with several representatives. The first told me that " there was a glitch '' and the money would arrive in my friend 's account in 24-48 hours. It never did. The two representatives I've spoken to since have told me they can not answer my questions and that I need to call back in 24-48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: CA

Complaint narrative:
They called my cell phone at least 15 times over a few days before I finally answered to see who they were and what they wanted. It was Midland credit management after some arguing back and forth they asked if I would verify with them, the last 4 digits they had for the debtor .... after verifying that the last 4 numbers of the social they gave to me I told them it does not match mine and they seemed satisfied. I did not think I would hear from them again. Now my wife is receiving phone calls from many different numbers of theirs ( she XXXX  the numbers ) now they have sent mail stating we owe XXXX  XXXX XXXX  to our newly built home, not sure how they got our address when they never bothered us at our prior home. 

We have a few XXXX XXXX accounts and have spoken to customer service who has said that there is nothing wrong with our accounts. Our credit files are spotless. There is no need for this harassment. 


Harassment is coming from Midland Credit Management XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I have been disputing a rental collecting that was place XX/XX/2015 as a collection on my credit report. The balance started at {$5300.00}, then it changed to {$5400.00}, and change again to $ XXXX.They have been reporting inaccurate information and unauthorized activity occuring on the account such as a payments made on the account and showing different balance amounts owed. When asked the collection company to verify payment on the account made to the account, they remove payment from the account. This collection company called people in my family and even sent the debt information letters to their homes, they have call previous jobs telling them that I owe them money. The collection company also place multiple inquiries on my credit report to get information illegally off my credit, and using previous addresses to mail information of the debt that went out to old, or inaccurate addresses. I disputed their inquiries had them remove from my credit report and had to place fraud alert to block them from continuing to place many inquiries on my credit. I even dispusted the fraudulent acivities made on the account to Credit Bureau and have shown that they continuiously violates the FCRA. Lastly they use illegal tactics to sue me, and I was not aware of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from XXXX XXXX XXXX  I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent XXXX XXXX account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX   they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX  Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This debt occurred in XX/XX/2011. That was 8 years ago and should not legally be on my credit report. It was incurred by my ex husband XXXX XXXX who fraudulently applied and used the funds sent to a joint bank account that was not closed. I demand this be removed immediately This account has been sold to a third party collection agency several times .... this should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: GA

Complaint narrative:
On XX/XX/XXXX capital management services LP sent me a notice of debt verification. I asked for debt validation. They could not provide it, they forwarded my request to original debtor. I then filed a complaint through your company. Assuming the original company was trying to collect debt from me. They dropped capital management from collecting the debt. They then became the original creditor and original creditor. However, payment could only be remitted to XXXX XXXX XXXX, which is a parent company of XXXX XXXX XXXX. However I do not have a standing contract with XXXX XXXX   to pay anything. Therefore I am at liberty to say that XXXX has commited fraud. They charged off account, sold it to CMS, took it back and is now letting XXXX XXXX handleXX/XX/XXXX.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. Let it also be noted that XXXX XXXX purchased the XXXX XXXX XXXX XX/XX/XXXX. I am sending a copy of this complaint to the XXXX as well. Thank you for your time. Also CMS was originally on my credit report but was withdrawn when XXXX   noticed I was trying to take action against them.

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 2019-01-27 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: FL

Complaint narrative:
XXXX  TRANSUNION AND XXXX  IS REPORTING IN WORNG INFORMATION 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 2019-01-27 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: FL

Complaint narrative:
XXXX  XXXX  AND EXPERIAN IS REPORTING IN WORNG INFORMATION 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 non-monetary relief
Consumer complaint received 2019-01-27 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: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dynamic Recovery Solutions and XXXX XXXX XXXX, XXXX are threatening to file a lawsuit against me over what must be an extremely old debt that I most certainly do not remember. Dynamic Recovery Solutions is a company in XXXX, SC and I have no idea why I must be harassed with letters of a suit ( even on behalf of XXXX XXXX XXXX, XXXX ) when in California, the statute of limitations is 4 years. I don't have any debts with this company nor the company in which they say they are working for. 

All the unpaid debts on my credit report were paid off by me. Any other debts had to have been so old that they fell off ; therefore, out of the State of California statute of limitations. 

Please ask these two companies to stop sending me letters threatening suits and contacting me over a debt I'm not even familiar or not within California 's statute of limitations. At the bottom of Dynamic Recovery 's and XXXX XXXX XXXX, XXXX 's collection letter ( which I will upload with this complain ), they admit that by California Law that they can not file a suit or report this ( again, I guess ) to a collection agency. 

Then they say, if I don't respond, they'll do exactly that. These types of letters make it difficult to strive to make my life better. And I do not appreciate it. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
gs services is atempting to collect a debt that is not mine XX/XX/2018 XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from Wells Fargo Bank I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent Wells Fargo account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX  XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up  my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dealing with Experian is like pulling teeth! I am tired of them ignoring my disputes and saying they " respectfully deny your request '' regarding deleting inquiries. They stated in a complaint response to me regarding these illegal inquiries : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. '' WHO WERE THE INQUIRIES MADE BY, Experian??? You don't even know, nor do you have proof! You are NOT supposed to keep false, unauthorized information in people 's credit files and wiping your hands clean as if you have nothing to do with it! These inquiries are affecting my credit report! Experian, you say " factual record '', but please tell me how an inquiry I DID NOT AUTHORIZE is factual, let alone verified & legal. JUST BECAUSE AN INQUIRY IS REPORTING DOES NOT MAKE IT MINE or legal. Addresses, dates, and account amounts are ALSO " factual record '', but if any of that info is incorrect, false, unverified, etc, then " PURSUANT TO FEDERAL LAW '' THEY MUST BE DELETED! Experian even admitted in their response to my CFPB complaint ending in XXXX that THEY DON'T EVEN HAVE APPLICATIONS FOR THESE INQUIRIES. They are the reporting company, yet THEY HAVE NO PROOF NOR DO THEY DEMAND PROOF FROM THE REPORTING COMPANIES. This is negligence! Experian, are you telling me that " pursuant to federal law '' INCORRECT, ILLEGAL, FALSE, INVALID, UNAUTHORIZED information, including inquiries " must remain '' even though they aren't mine and are illegal??? Furthermore, what's also illegal and a violation of 'federal law ' is the fact that you all DID NOT EVEN INVESTIGATE THESE ILLEGAL INQUIRIES. I demand that the inquiries are deleted immediately. They are NOT MINE, NOR do they even have permissible purpose to be there! I've already contacted the companies and you both are telling me to contact the OTHER!

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 2019-01-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I am XXXX XXXX I have a CITI bank home depo credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, Citi Bank closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XX/XX/XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, Citi bank then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the CBR dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called in and spoke with customer service on XX/XX/2019 to explain that I have indeed been a victim of their inquiry issue. The agent asked for me to list the inquiries, in which i did. They told me they would not be able to assist further.

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