vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
For second month in a row - I have paid my balance in full and Wells Fargo Propel will not credit payment to my available credit.

The company says that I authorized payment from a business account ( where I am an authorized signer and owner of business ) and that they have elected to put a 30 day hold on my payment. Before making payment via ACH - I explicitly verified I am certifying I am authorized to make payments from this account in their app.

Last month I also paid balance in full - and they put an 8 business day hold on crediting to my available credit. Now, I have a 30 day hold on my full balance payment made exactly the same way.

I asked them to simply return the payment to my bank account if they didnt like where it came from - but they have refused. If they did so, I would simply receive the money back and pay from a non-business account. They have refused to resolve this so I have no option but to open an complaint with the authorities on Wells Fargo Propel.

I dont wish to open a checking account at Wells Fargo at this time. I am already a mortgage loan holder with Wells Fargo for 12 years - so my credit relationship with the bank is not a new one.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express presented fraudulent advertising on the web. I contacted them about this and recorded the call. I have the recording, it is an MP3 file. I disputed with them for months over this to no avail.

There was no membership fee listed when I signed up for their card, AE checked on it ( during our phone conversation because4 they would not help me online ) when I spoke to customer service and they said since it was not listed in their advertising, I would not have the fee the first year.

So, I agreed to keep the card if they would do as they said and remove the first year annual fee of {$95.00}. They never removed it like they said, so I paid off my charges on the card ( MINUS the {$95.00} annual fee they said they'd remove ) and closed the account. 

I have the recording that they ADMITTED the ad I responded to did NOT disclose the annual fee of {$95.00}. NOW, they have tacked late fees bringing it over {$200.00} and is ruining my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Contacted the credit report agency ( XXXX  ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. XXXX XXXX SS # /DOB/address. Also informed her that I received report XX/XX/XXXX with no problem. She put me on hold to see if she could access my report ( XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XX/XX/XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing  amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XX/XX/XXXXreport. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with Experian as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX ; XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX I requested a " {$1.00} '' credit report from TransUnion. For the following 44 months, I was subscribed to a recurring, monthly {$17.00} subscription to a credit monitoring service I didn't want, was unaware of, and never used. 

My understanding is that the CFPB issued a case against TransUnion in XXXX, detailed in File No. XXXX, for restitution of consumers like me. Unfortunately I never received any information about this -- until today ( XX/XX/XXXX ). It seems that the practice of automatic subscription I was subjected to was deemed unfair and punishable. Unfortunately I was not contacted about restitution, perhaps because I moved twice during this time period. 

I contacted TransUnion today ( XX/XX/XXXX ) and requested that they refund me ; they agreed to a 5 month refund. I think it is fair to somehow claim the other 39 months, and would appreciate any help in doing 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 monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a notification that a check in the amount of {$100.00} + had been sent to me for a refund of a credit card overpayment. I never received the refund check and called Best Buy credit to complaint about it on several occasions. They stated that they will research the check and will refund me the money if the check has not been cashed. Nevertheless, Best Buy credit send me a letter stating that the discussed refund check was never cashed. I have called Best Buy Credit on several occasions to process the refund check again or deposit it directly into my bank account. After several failed attempts and promises that the refund will be paid, I am submitting this complaint. Best Buy credit billing Accounting system is a mess, they misplaced payments and also send erroneous bills.

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 2019-03-26 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: DISCOVER BANK
State: FL

Complaint narrative:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NJ

Complaint narrative:
AES ( American Education Services ) continues to bill me for a student loan that I have paid for back in XXXX, 2015. 

PHEAA conducts its student loan servicing operations commercially as American Education Services. 

AES continues to contact me regarding a pass due bill that I don't owe via email and telephone. In addition, they have put this past due bill on my credit report. I tried contacting them and they didn't even want me to send them the invoice that it was paid in full, they just insisted that I owe them. The dates discussed based on the timing that I attended school and the monthly amount of my payment arrangement were identical to the payments I was making.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX XXXX partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 

I have contacted the two bureaus to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX/XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex is a fraudulent debt collector. Reported to XXXX XXXX XXXX XXXX for misrepresentation as a debt collector for XXXX XXXXXXXX XXXX XXXX. Other debt XXXX including XXXX XXXX XXXX XXXX took a legal action although told by XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Fraud XXXX and XXXX XXXX XXXX, Fraud XXXX that this was fraud - account paid in advance when referred and payments not posting to accounts. Criminal investigation launched in 2012 when accounts began to show cybercrimes. Contact XXXX XXXX XXXX, FBI XXXX, United States Attorney General XXXX XXXX, Chief XXXX XXXX, XXXX Police Department regarding this matter. Judgment by XXXX XXXX, XXXX XXXX XXXX also referred for criminal investigation. An additional fraudulent debt collector, XXXX XXXX, is also attempting to collect this debt fraudulently. They are engaged in telephone harassment, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I had an agreement with the company for paying the lowest amount monthly. They agreed on paying the 100 monthly without charging fees and interest. I started paying on what we have agreed. The balance was {$5000.00} when paying when down to {$3900.00}. I received a statement stated that I owed them {$5700.00}. This is incorrect information and balance. They had charge me fees and interest. I've contacted them over and over again. They said that now I have to pay {$470.00} a month even though we agreed on the payment of $ 100 monthly. I have tried to call them and they wont help me anymore. I'm very frustrated because they closed the account and now I am in collection.

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 2019-03-26 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: PA

Complaint narrative:
On XX/XX/2019 I was notified that XXXX XXXX XXXX placed a hard inquiry on credit report. I did not know the screen I clicked on would have a direct impact on my credit. 

I chatted with XXXX support immediately and was told that the case/issue would be escalated within 24 hours. I received an email back saying they had nothing on file and please reach out to XXXX XXXX XXXX ( XXXX XXXX ) XXXX and they will have no problem with the application cancelation. 


Called on XX/XX/XXXX XXXX XXXX  - 7 Minutes - Kept telling me they have no record of any application or an account with them XXXX XXXX - 10 Minutes - Kept telling me they have no record of any application or account with them, I asked to be transferred to a supervisor but the call was disconnected. 

XXXX XXXX - 15 Minutes - Spoke to supervisor telling me the same thing, no account on file and no application submitted. She requested I speak with the credit bureau ( Experian ). 

On XX/XX/XXXX XXXX XXXX 14 Minutes - I called and spoke with Experian in regards to this they told me to contact the bank and XXXX using the numbers provided. On the file it shows a number for XXXX but that number doesn't take you anywhere its a endless loop of nothing and disconnects. 

XXXX XXXX 10 Minutes - I asked the representative to please notate my account but she also there was nothing that could be done and I need to speak with the bank in order to get the inquiry removed. 

I am unable to get a straight answer from XXXX about getting this inquiry removed. They do not have an application on file so it does not exist.

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 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I would like to submit a complaint about Navient. They have made it extremely difficult to get simple answers and I believe I was mislead in the way my payments have been handled. After about one year of being in repayment, I checked my balance and thought it had gone up. I went to compare it to previous balances, but could not find the " Total Current Balance '' line listed anywhere clearly on a previous date. I called to request this information and they sent some documents, which still did not provide what I needed. I decided to take a screen shot instead and compare in a few months. From XX/XX/2019 to XX/XX/2019 my balance went UP despite me making my payments on time. I double checked the remaining interest and made sure to pay all of this off, in hopes that this would end the problem. I then tried to set it up to automatically over pay my minimum monthly, which the company does not allow you to do. 

On Saturday, XX/XX/2019 I checked my balance and took a picture. On Tuesday, XX/XX/2019 I checked again and my balance had gone up {$18.00}. This is despite me already paying the balance for XXXX PLUS {$240.00} extra. 

This company is clearly handling something wrong, and making it extremely difficult for its customers to get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: MO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me 120 days past due on the XXXX XXXX- partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 
I have contacted the two bureaus to fix this issue.

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 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2019, I authorized a payment of {$220.00} to my PayPal Mastercard. I have a PayPal account that's over a decade old and is separate from the PayPal Mastercard account, although I can view both in the same webpage. Recently, because of some chargebacks from a scammer, my account has a negative balance of {$1700.00} and is thus limited. I received an email on XX/XX/XXXX that {$1900.00} was debited from my personal bank account, in the form of a PayPal eCheck, an amount I did not authorized. The reason PayPal was able to do this is because they will not allow me to remove my linked bank account from the my PayPal account. I confirmed with the bank that issued the PayPal Mastercard that only {$220.00} was authorized to make a payment and not the additional {$1700.00}. I contacted a PayPal representative and all I was told was to contact my bank about the issue since PayPal can't do anything. In this link here : https : //www.paypal.com/us/smarthelp/article/will-paypal-have-the-ability-to-withdraw-funds-from-my-bank-account-without-my-permission-faq1148 PayPal states that they will not withdraw funds from my bank account without my permission, which is clearly not the case here. 

I am making this complaint today so that others will learn from my experience and I will demand PayPal remove my bank account linked with my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
On XX/XX/19, I received a collection notice from Professional Claims bureau stating that I owed a medical debt. I responded on XX/XX/19, asking for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
On XX/XX/19, I received a speed message ( as they call it ), stating that  enclosed is a copy of the bill I requested. I requested far more than a bill as you can see above. The enclosed bill had the amount they claim I owe and ways I can pay the bill. I will provide you with all the relevant communication documentation. 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 explanation