vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: NY

Complaint narrative:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the 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 explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Hi- I filed a wire transfer with Wells Fargo 10 days ago and it did not go through. Upon reviewing the documentation, I discovered that the bank rep had made TWO mistakes typing the IBAN number on the transfer. I had found the first one at the time, but she sent the wire after that and signed off on it. My brother-in-law in the XXXX was in dire need of these funds ( {$22000.00} ) as he was laid off from his airline position, his employer revoked his visa and the gov't is threatening him with prison if he does not leave IMMEDIATELY! This, plus he just found out that his son in The XXXX was diagnosed with XXXX and is XXXX XXXX XXXX, requiring immediate assistance. I have gotten the runaround from Wells Fargo, constantly being told " we will get back to you ''. The money was automatically deducted from my account on XX/XX/10. I received an email from their 'Executive Office '' Complaints Specialist, signed by a XXXX XXXX ( no last name ) instructing me not to reply by email. I believe they are trying to avoid any written proof of the bank error which may cost my relative a prison sentence in the XXXX. They keep saying they 'will get back ' to me, but time is running out. My brother-in-law 's bank told him that all they have to do is send the CORRECT IBAN and the money will be released. I informed numerous management at Wells Fargo to no avail. Please help!

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a customer of Capital One since XXXX. Have had my oldest credit card since XXXX. Over 5 years I have saved up XXXX $ in cash-back rewards on the account. I have always paid on time. 

XX/XX/XXXX I received a letter from Capital One saying that my account usage was not in accordance with their expectation, that my account was closed, and that the rewards I had saved was forfeited. No further explanation. 

I was completely confused by this. After calling them it turns out that there was a returned payment on another other card that I use for expenses shared with my girlfriend. This card is also with Capital One. One day I had tried to make an early payment on that card - however, there was insufficient funds on our shared account and the money was returned. I rectified the error, made sure there was enough money and redid the transfer. 

However, this single returned transfer on another card is Capital One 's explanation for why they suddenly closed down my personal credit card and forfeited all the rewards I had carefully saved up without giving me even a warning. The shared credit card that I had tried to do the transfer to was not closed. 

I have a hard time imagining that this is legal. I hope CFPB can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud

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 2020-08-20 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: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
XX/XX/2020 I spoke to a representative who set my account up for a deferment due to covid-19 under the CARES ACT. I was told this would not have any impact on my credit as I would be reported current and that the balance of the payments that were deferred would be added to the end of the loan. I later discovered it I had been reported late for XXXX and XXXX and I contacted them immediately to resolve. They indicated they had been overwhelmed due to covid-19 and that some paperwork had been delayed but the they were coreecting any issues. I was suppose get a call back and although have called conssistely each week for the last 3 months no-one is returning my call. I have spoke in great detail to multiple representatives and managers who assure me the issue would be resolved and forward it to the credit department to correct. There has been no change. Prior to this I had never been reported late on this account, Under Cares they should not be reporting me late because the offered this deferment and did not process it timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I received several calls in the last few days from XXXX ( XXXX, TX ) which came up as " Possible Scam ''. After seeing the same number repeatedly I answered it today. It was National Recovery Systems and they wanted to speak to XXXX XXXX XXXX ( but they had my phone number instead of his! ). I explained that he wasn't available and asked if I could take a message. They asked who I am and I said his spouse. He then asked me to confirm my husband 's birthdate which he gave to me. Since he already had it, I confirmed the date. He then said since I confirmed it he could now talk to me. ( He did not ask for my husband 's permission! ) He said this is a dept collection service and he referenced a debt of {$210.00} to XXXX ( medical providers ) from 2015. I said I had no idea why he was calling since I had already been through 2 credit collection agencies ( the most recent was XXXX XXXX ) regarding that {$210.00} and that neither could provide any documentation that showed I owed that debt. It had already been sent to the credit report agencies as a bad debt. I made that request for information by letter and stated that if they were unable to provide such documentation, they should remove it from our credit reports. I eventually received a letter that said they could not verify it and would remove it. ( The credit reporting agency finally, after reviewing my documentation, removed it -- XXXX did nothing. ) He put me to his manager who " could give me more information about the debt '' which had only come to them yesterday -- really?! ). When I started telling the manager that this matter was resolved months ago and furthermore, I didn't believe a debt that old could be pursued, he hung up on me. I have never before been told we owed any debt to XXXX and we have been using those facilities for many years! We pay our bills and always on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: International Computer Systems, Inc.
State: AR

Complaint narrative:
Upon reviewing a recent copy of my credit report and becoming a victim of identity theft, I've noticed several violations of the FDCPA and FCRA one obvious which clearly has TWO DIFFERENT COLLECTION AGENCIES ATTEMPTING TO COLLECT ON THE SAME DEBT WHICH are both IC Systems and First Collection Services are reporting on my current credit report for an fraudulent  established medical account from a company named XXXX XXXX. This is unacceptable and violates the Fair Credit Reporting Act and both accounts should not only be removed due to fraud, but of duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
In XXXX of 2018 I never received any notice of an upcoming bill or that I was late for a bill until after it was put on my Credit report .... I would like these late payments removed by Kay Jewelers for not informing me .... As of today & since XXXX I havent missed or been late on a payment .... This is impacting my score & ability to obtain credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NC

Complaint narrative:
In XX/XX/2019 I was contacted by GC Services about a debt with XXXX XXXX. They lied and said if I paid them {$500.00} a month for 12 months that the debt would be satisfied. This Month I heard from XXXX XXXX and they still want over {$8000.00}. I called GC services and was told they no longer handle XXXX XXXX and need to call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/2020, I received a solicitation from Capital One about its 360 Performance Savings account. As a longtime customer of Cap One 360, I found it to be compelling. It was my understanding, if I opened a new account with new money ( not from other Cap One accounts ) of {$50000.00} or more and left the funds in place for at least 90 days, I would receive a bonus of {$500.00}. I opened and funded that account on XX/XX/2020. 

In XX/XX/2020, I contacted Cap One by phone to see when I would receive the bonus. The advisor told me it would be up to 60 days after my account was open for 90 days. I determined that to be roughly mid-XXXX. 

In early XXXX, I wrote a letter inquiring about my bonus. On XX/XX/XXXX, I received an email asking me to call. I called that afternoon and was told I wasnt eligible for the bonus because I wasnt a new-to-Capital One customer when I opened it. I told the advisor I would close my accounts. He asked if he could help with it. I told him no, concluded the call and immediately transferred my savings with Cap One to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX concerning several XXXX  accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX   {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on XXXX XXXX  & you all are reporting a balance of {$8500.00}. Please delete

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 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: TX

Complaint narrative:
The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. 
The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 
10 minutes after I talked to the XXXX  representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Consumer Reporting Agency TransUnion is who I am accusing of fraud. TransUnion is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave TransUnion written permission to furnish anything on my consumer 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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX ODA. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and Experian did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.

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 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I had a large wire transfer sent to Bank of America to be applied to my mortgage on XX/XX/2020. As of today, XX/XX/2020, it has still not been posted to my mortgage. This is because of an update to their computer system. I have called 14 times since XX/XX/XXXX and am told various dates that this would be fixed. None of those deadlines have been met. They have told me that the wire transfer was received at Bank of America and that when it's posted to my mortgage it will be marked as received on XX/XX/XXXX so as to adjust the interest. I have not much hope that it will get posted on XX/XX/XXXX, the new promised date. The wait time for each of the phone calls is about XXXX hours. 
My plan was to get the payoff amount and have another wire sent for the balance on Monday, XX/XX/XXXX but obviously that still can't happen. 
I have a letter of confirmation from the wire sender but don't know how to attach it. I also have the Federal reference number which I have told several people at Bank of America.

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 2020-08-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I sent in complaint XXXX. Nothing was done as a result & it has been well over 30 days for this issue to be resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.

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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC

Complaint narrative:
I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from XXXX on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to Cascade Capital Funding LLC. My address on this document was also recorded  incorrectly. I sent XXXX an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called XXXX on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted XXXX again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. XXXX is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.

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