vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sold a home on XX/XX/2020. I started receiving phone calls from Wells Fargo in XX/XX/2020 that I was late on my mortgage payment. After explaining to Wells Fargo that I sold my home, they stayed they did not receive the funds. I told them the situation and ask that they not file delinquency since the situation would be resolved. They said they couldnt assist with this. I was informed that A wire transfer was sent by The Closing Specialists to Wells Fargo on XX/XX/2020 and they sent me a copy. The wire transfer states that if there was any error, the money was to be returned ASAP. The money was never returned. Turns out that the account number on the wire transfer for Wells Fargo was one number off ( not my account number And not information I had provided to The Closing Specialists ) and so the money sat at Wells Fargo until the two companies figured it out. The money was finally returned to The Closing Specialist and the wire transfer was finally resent on XX/XX/XXXX. However Wells Fargo still filed delinquency. They sent me a letter stating this was not my fault but would not assist with what affected my credit. My credit score went from XXXX to XXXX, which has affected the loan percentage Im getting to purchase a new home. If Wells Fargo has provided a letter stating what happened and that it was not my fault, I feel my credit score should reflect the truth. This entire situation was out of my control and I had no knowledge of it until gecalls. Also, if Wells Fargo received a check for {$120000.00} that did not go to any loan account and no one checked into, rather let the money sit in their bank to gain interest, this is negligence at best and fraud at worst.

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 2020-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NV

Complaint narrative:
I was charged for services through XXXX that were never delivered but werte charged to a loan account in my name through GreenSky

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
This company is trying to collect a debt that is the result of identity theft. The originating company, XXXX XXXX, claim they have written off the account as there is no record of my ever having service with them in XXXX Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
XX/XX/XXXX - Received letter from ARSTRAT attempting to collect {$2400.00}. 
XX/XX/XXXX - I sent a dispute letter asking for verification of debt. 
XX/XX/XXXX - Received letter from ARSTRAT stating that my dispute was not valid and that their information is accurate. They were attempting to collect {$2400.00} for dates of services XX/XX/XXXX and XX/XX/XXXX. They attached an itemized statement from XXXX Hospital for dates of service XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX - I sent a letter to ARSTRAT stating that they were attempting to collect a false amount of money from me for two different dates of services, many of which I had already paid for. I notified them that I would be filing a violation complaint with the FTC and Attorney General for attempting to collect a false/fraudulent amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I transfered amount of money to international. When i fill the form they just showed that i have to pay {$25.00} for the transfer fee. But when the amount of money come to my recipient 's bank they told that when we fill the form we choose the sharing fee with the recipient. But i didn't do that. Why the recipient 's bank told that to recipient? What happened with my amount of money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed 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 2020-08-27 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: MI

Complaint narrative:
This is the third complaint this month with Equifax reporting bogus information. XX/XX/2020 I received a credit alert regarding my XXXX XXXX account having been closed with Equifax only. Attached is the alert. My XXXX account information and the fact that I paid my car payment yesterday and the lease is only half finished. My XXXX account is absolutely open. This is blatant and fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing about a late payment reported on XX/XX/2019 on the following account with BANK OF AMERICA : Account number : XXXX Opened date : XX/XX/2019, credit limit : {$500.00} The reason why the account was late was because a third-party company was supposed to make the payment. Later, I realized that the account was reported late so I contacted them. They explained that the payment was not processed as normal, and they apologized. Of course that it did not solve the issue. I am now being reported as late. 

I was not aware of this late payment. This was not a money issue or even worst, that I did not want to process my payment on time. 

Please feel free to contact me. I need to solve this issue as soon as possible. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed 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 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, Equifax & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been using a credit card from Bank of America Travel Rewards Visa for the past year or so. There was an intro period with zero interest as is common. I used the payment feature provided on the BoA website to schedule a recurring payment. I chose the option to pay " Amount Due '' by due date. There was also a " Minimum Amount Due '' option. I deliberately did not choose this option since I did not wish to incur any interest charges. I did wish to make use of the intro period. So I left a balance on the card assuming the right amount would get deducted from my card once the intro period expired. But the bank kept deducting the minimum amount of {$25.00}. And charged me an interest of {$30.00} on a bill issued XX/XX/XXXX. I called them within 3 business days on XX/XX/XXXX to ask what's going on. Apparently " Amount Due '' is same as " Minimum Amount Due ''. Which seems deliberately designed to mislead customers into missing payments. And then exact interest. I requested them to waive the charges since it was my first time. They wouldn't do it. I consider this a form of fraud. Perpetrated by Bank of America against it's customers.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020, stating my credit limit on my card was reduced from {$10000.00} to {$5000.00} " to better fit my usage. '' I called this bank at approximately XXXX XXXX central time and spoke to XXXX, the supervisor. When I requested him to pull credit to re-establish credit worthiness because I wanted my credit limit put back to {$10000.00} due upcoming expenses i was planning on using the card for, he denied my request and stated I would need to wait 6 months to be eligible to pull credit and apply for credit limit increase. His employee ID is # XXXX and the case # is XXXX. 

I called back at XXXXXXXX XXXX  on XX/XX/2020 and spoke to XXXX, who is another supervisor. She stated the same details as XXXX. Her employee ID is # XXXX and the case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
SOUTHWEST CREDIT SYSTEM Original creditor : XXXX {$660.00} Balance updated XX/XX/2020 Account Number XXXX Contact XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX I have disputed this item several times. I have never had an account with this company or XXXX. During the time of this account I was XXXX anyway so it is definitely fraud. I told them this and that I have no contract with them and they have never even verified the account as valid. So it needs to be removed and never attached to my name again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2020 chase closed my credit card for no good reason, first when i called in they said that it was closed do to unusual activity, so i explained i didn't use the card since XXXX, so she said a new thing that it was done by company policy order, so i asked her whats the story with my rewards so she told me im so sorry but was taken away so i said usually they send a letter that your account is closed and you have 30 days to take it out so im still in the 30 days and her answer was im am sorry but i can try someone to call you back 3-5 business days, so I told her then they will tell me that its passed the 30 days, so she said there is no one to help you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX AM AUTHORIZED ON XXXX XXXX BEHALF TO DISCUSS THE PAYMENT HISTORY THAT CHASE HAS PLACED TOGETHER MANY OF THE REPORTS AND INACCURATE PAYMENT HISTORY INFORMATION. IF YOU TAKE A LOOK AT THE PAYMENT HISTORY OVER THE COURSE OF MANY YEAR YOU SEE PAYMENTS FROM XXXX IN XXXX AND XXXX PAYMENTS. 
PLEASE NOTE FOR YEARS HE HAS BEEN STRUGGLING WITH HIS PAYMENT HISTORY AND THE INCORRECT OR INACCURATE REPORTING EVER SINCE HE WENT INTO THE HOMEOWNERSHIP REPRESENTATIVE HWHO HELPED HIM WITH HIS LOAN MODIFICATION. HE PROVIDED HER A PAYMENT AND SHE SAID SHE WOULD TAKE CARE OF IT TO HELP HOM RECEIVE THE, LOAN MODIFICATION HE HAD TO PAY LATE SHE HELD THE PAYMENT AND CHANGE THE PAYMENT HISTORY AROUND HENCE TAKE A LOOK AT THE REPORT YOU BEGIN CHASE DEPTAMENT SENT OUT. 
EVER SINCE THAT REP WENT IN AND CHANGED HIOS PAYMENT HISTORY TO HELP HOM GET TEH LOAN MODIFICATION BC HE WAS NEVER LATE HE HAS HAD PROBLEMS. iT HAS PREVENTED HIM AND HIS WIFE IN FINDING ANY HELPBC THERE CREDIT HAS BEEN HEAVILY IMPACTED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank changed its loan administration to XXXX and in the process changed my account number, which meant my payments did not go through for XXXX and XX/XX/2019. During these summer months I was taking my kids back to XXXX to visit family for a once in a lifetime trip. I did not realise that the payments had not gone through as there was money in my account and I had no reason to belive there would change my account number. Upon my return, I noticed the payments had not been taken and immediately went to a branch and paid everything I owed ( including late payment fees, which I was livid about as the branch staff admitted fault that the payments were missed due to them changing the loan account number! ) I then was even more annoyed to find that they had posted the lates on our credit report, and despite numerous phone calls, trips to various Citibank branches in XXXX and XXXX XXXX, and letters to citibank and the credit bureaus pleading with them to remove the lates from our credit report Citibank refuse to, saying " the payments were late so the report is accurate ''! 
This has cost me so much money as I have been unable to refinance my mortgage, ( which is currently at 5.25 %, when interest rates are at an all-time low!!!! ) We were also planning to purchase a holiday property and were forced to take on an expensive private loan, which we still can't refinance because of Citibank! 
I found out this week that Citibank had no right to report us as late within 2 months of an administration change over ... so I am begging you to help us get these late reports removed from my and especially my husband 's ( XXXX XXXX ) credit report. Thank you for your help. We really appreciate anything you can do, as Citibank made extra money from us, in late fees, from their administrative changeover and yet they refuse to help us despite not suffering any loss from us. So it really is no skin off their nose to remove the lates and it is not honest of them to imply that we are more of a credit risk because THEY changed our account number without us realizing. 
I attach proof that there was money in my account that the only notice we received to infomr us pf the account number change arrived in 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 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Santander Bank indicated that the block placed on my XXXX XXXX  Checking account ending in XXXX and my Santander Savings account ending in XXXX were removed from my accounts on XX/XX/2020. 

However that's a false claim. 

Since XX/XX/2020 I've made multiple attempts to login to both my Online Banking & Mobile Banking but both platforms remained locked by Santander Bank. 

To the Best of my knowledge, Santander Bank continues to lie to both to the Consumer Financial Protection Bureau ( CFPB ) and to the Office of the Comptroller of the Currency ( OCC ). 

Such actions by Santander Bank constitutes a clear violation of Banking Laws.

If Santander Bank continues to lock my Account, I'll have no other option but to file a Lawsuit against Santander Bank at the United States District Court for the XXXX XXXX of New York..

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 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate. 

I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical. 

I demand a referral to the FBI.

Company response to consumer: Closed with explanation