vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XXXX. 
XXXX XXXX XXXX XXXX  retaliated against me by reporting me again to Transunion Credit bureau based on my dispute. 
XXXX I called XXXX XXXX XXXX, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of XXXX to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, XXXX has not agreed to correct this misinformation.

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 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Continued calling my cell. Pushing about a debt we never owed, have no idea what they are talking about, use profane, threatening and abusive language / tactics. 
Asking them to stop calling only causes them to increase frequency and elevate the abusive rhetoric. 
Upon checking with all credit institutions, no such debt exists on any record anywhere. 

They call from XXXX and from research it appears I am not their first target.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
XXXX I am a 100 % XXXX XXXX XXXX XXXX, from ND. The ID theft occurred in XXXX XXXX, FL XXXX Wells Fargo employee XXXX XXXX, woke me from a nap stating there was suspicious activity on my Wells Fargo acct, there was.. My husband heard the entire conversation on my speaker phone on cell phone. I asked her to verify who she was and rattled off her Employee ID # .Since I was not awake she asked for pin #. I did NOT know I was speaking to scammer, because she said exactly what a WF employees says. 
I asked her how this suspicious activity happened and she said someone scammed me and got my personal from possibly and on-line purchase and probably made a new WF card. She said the acct. was now closed and I would receive a new card. I didn't, it was a scam, and my husband and I feel it was an inside job at Wells Fargo. 
I checked my on-line acct. and she had used the card and stole approximately {$4000.00} throughough XXXX XXXX, FL. I immediately called Wells Fargo consumer ID theft/consumer fraud. We were able to stop over {$1000.00} of the purchases XXXX XXXX ( aka? ) made. The WF rep. told me that Wells Fargo would make a thorough investigation, and I should contact consumer fraud in FL. 
I heard from XXXX XXXX, Senior VP, Claims Assistance Center, shortly I filed the ID theft claim. She DO NOT INVESTIGATE MY CLAIM and quickly closed the claim stating I was at fault and did nothing to assist me find XXXX XXXX or research about whether a WF present or former employee in the XXXX XXXX, FL was scamming people. I believe that this is an inside job, and it represents the financial corruption at WF.

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 2020-05-20 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: IL

Complaint narrative:
have to late payments XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have XXXX XXXX XXXX  accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I financed a SUV that was originally {$14000.00} but was told that it should have been {$17000.00}. Then because of my credit score (  XXXX ) I was approved by Exeter Finance for {$20000.00} at 28 % for 72 months ( {$620.00} ). This is a total cost of {$45000.00}. Even though I signed was this legal or was this usury?? The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
Salesman : XXXX XXXX. 
( XXXX ) XXXX XXXX. Maintenance agreement doesn't state specifics. I guess arbitration will be needed!! I don't even have a loan contract number!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
HAVING ASK TRANSUNION TO REMOVE THIS ACCOUNT MANYS TIMES THEY HAVE YET TO DO SO.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19, I applied for the Capital One SavorOne credit card. Their website specifically stated that new cardholders would " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening ''. I have never had this product before with Capital One and this promised bonus was a major reason I applied for this card. I have had other product lines with Capital One. 

I met the spend threshold during my XXXX statement and did not receive the bonus on my following statement. I decided to wait to see if it would take time to post. However, as of this week, my bonus still wasn't received. I called into the customer service number on the back of my card and they said they didn't see a record of the sign up bonus. 

I then decided to reach out to Capital One 's Executive Office, advising that the frontline CSR was unable to assist. They advised that their spend offer was not open to applicants with existing Capital One accounts. However, that language was not used on their website, nor was that restriction clearly noted. 

While they claim that this restriction is listed in their disclosures, the information accessible on their page is purposefully misleading. They also had no such restrictions in the past regarding bonuses, so they did not have a precedent to deny a bonus to applicants with other Capital One products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX Amount : {$94.00}, this is a response rebuttal to the letter issued by Capital One on XX/XX/2020, additional supporting is not included as it is not applicable based on what was requested in the letter. Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified by my mortgage broker that a collection item was placed on my credit report. I contacted the collection agency, Contract Callers to resolve this matter. They stated that they are pursuing me for past balance owed for an old utility bill that I owe to XXXX XXXX XXXX XXXX XXXX. I was never informed of any outstanding bill owed. In XXXX I relocated from XXXX to XXXX, GA and during the relocation, I was advised of this charge. Nonetheless, I paid the amount owed to the collection agency but the collection agency refuses to remove the item on my credit report. Furthermore, I spoke with XXXX XXXX XXXX XXXX XXXX and they stated they will contact the collection agency to have this erroneous profile removed from credit report 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 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
I took out loans from Sallie Mae over the course of my time in college ( XXXX ). The loans totaled {$98000.00}. I've paid over {$46000.00} so far, and my current amount due is over {$110000.00}. Looking at these numbers alone is enough to show that Sallie Mae is a predatory lender. They've lied to me on multiple occasions, even denying a phone conversation occurred in which they told me the amount I would be paying per month would be roughly {$600.00} cheaper than it actually was. Sallie Mae has a history of giving out subprime predatory loans. This is nothing new, and at this point I refuse to negotiate with the company unless they're going to wipe my loans clear. THEY are supposedly the loan-giving experts that gave out bad ( subprime ) loans that they had no reasonable expectation of having paid back. But it's all about profit through exploitation for Sallie Mae, and it's disgusting how this is being ignored by the CT AG and the CFPB. I've submitted this claim several times, even linking the exact sections of the legal code that would absolve me of future payments due to an undue hardship on my co-signer and I. Why would I spend MORE money on a lawyer to prove a point I'm capable of proving on my own? The numbers alone prove that predatory/subprime lending occurred. Sallie Mae can expect me to stop paying 100 % on my loans, and if they wish to waste more money taking me to court, so be it. Good luck taking the nothing I have and garnishing my wages. If that happens, I'd simply stop working so there's no wages to garnish. I look forward to the company 's nonsense response that shows they haven't understood a single point I've made. To make my point clear once more, Sallie Mae is a predatory lender who gives out subprime loans for the purpose of making a profit by destroying an entire generation 's hope for financial independence. I'm saying 'no more ' whether the CFPB, court system, or Sallie Mae accepts it. Nobody can force me to do anything, and I'll make sure that if I go down for this, I'm taking Sallie Mae with me. Garnish my wages, I'll refuse to work, and I'll spend every day going to college campuses diverting people from Sallie Mae by simply telling the truth. If you think I'll let you get away with destroying my future, I'll make sure to divert millions from your greedy, slimy, predatory hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
We turned in our lease 3 months early because of Covid with over XXXX miles unused and no damage. The car has a bumper to bumper warranty for the first XXXX miles and was in service less than 1 month previously with no driving afterwards except to return it. They are trying to charge us {$1200.00} of which I only agree with $ XXXX monthly rent that was still do, with the {$390.00} disposition fee should be waived per covid making us return the lease. There is no excessive use or damage as they provided no proof of anything. I offered to take back the car since we turned it in early, but they refused!!!! I had planned to make use of the XXXX miles we had left on the lease by constantly driving it and keeping it to the last day. Nissan are thieves and likely this is in retaliation into a lawsuit I have against them in response to the certified used XXXX I bought. This has nothing to do with that lawsuit, but I'm sure they are trying to make things difficult for me since I no longer want to be a Nissan customer after how they treated me with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I filed a dispute with XXXX  XX/XX/XXXX about a collection agency ( Commonwealth Financial ) via phone an ask that it be removed from my credit. Commonwealth is reporting a old past-due account on my credit report as if its a new again when the debt was sold. Commonwealth is reporting the account XX/XX/XXXX when the original date is XX/XX/XXXX. Im asking they remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: U.S. BANCORP
State: PA

Complaint narrative:
I applied for a credit card through XXXX, serviced by USBank. I was  approved for the credit card, but it never came in the mail. Then I got a bill for charges made with the card. I filed a fraud claim for all charges on the card, considering I could not have made any purchases with the card because it never came. The initial claim was on XX/XX/2020. I was assured the charges would be removed from my account, and I also closed the account. Starting in XXXX, I have received weekly emails about past due bills on the card. I have called USBank weekly trying to get them to remove the charges. The charges still have not been removed despite my weekly calling USBank and them assuring me it would be taken care of. The amount I am being held responsible for is {$44.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 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: NY

Complaint narrative:
After reaching a debt settlement agreement in XXXX XXXX XXXX Civil court, I commenced with the payments to XXXX XXXX as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to XXXX XXXX directly, to all 3 major credit repositories, my credit counselling service ( freedom debt relief ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at XXXX XXXX. However, XXXX XXXX has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of XXXX XXXX. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.

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 2020-05-20 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: NC

Complaint narrative:
I mailed a Dispute to Equifax on Monday XX/XX/2020. Because I had found a lot of fraudulent information on my Equifax credit report ; mainly 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number. I mailed the dispute and included the documentation Equifax requested be included with the Dispute. 

XX/XX/2020 I received the Investigation Dispute Results. The 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number were Deleted ; plus some other fraudulent information was Deleted. I have the Investigation Dispute Results Equifax sent me. I will upload as Proof. 

Equifax even added an Extended Fraud Alert to my Equifax credit report. I was very happy Equifax Deleted the 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and other fraudulent information. 

XX/XX/2020 I check my Equifax credit report and Equifax credit score. I am totally shocked and upset because all 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and the other fraudulent information Equifax Deleted on XX/XX/2020 is back on my Equifax credit report. This is a huge violation of the Fair Credit Reporting Act. Equifax must be held accountable and be made to Delete the 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number ; and the other fraudulent information that was Deleted XX/XX/2020. I have the Investigation Dispute Results Equifax sent me. Pages 4-7 of the Equifax Investigation Dispute Results, show all 11 fraudulent XXXX  XXXX XXXX XXXX student loans loans Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CA

Complaint narrative:
I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: ATG Credit, LLC
State: CA

Complaint narrative:
ATG CREDIT LLC is a collection agency collecting for XXXX XXXX XXXX  in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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