vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 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: OH

Complaint narrative:
I am exhausted with the difficulty in which having erroneous information deleted form my account has been. My wife and I are purchasing a home and this incorrect information remains on my Experian credit report. XXXX blames Experian and Experian blames XXXX. The erroneous account has been deleted from my XXXX and XXXX report but remains on my Experian report. I have a latter from XXXX ( attached ) requesting the deletion from my credit report. 

I have made online requests, written requests and requests by certified mail. 

The item listed by XXXX XXXX is inaccurate because this is not my XXXX account. My identity was compromised and the account was opened, without my knowledge or permission. The account was used to purchase and to use a phone that the identity thief had shipped and billed to his address. This address had been listed on my credit report as mine until it was recently removed. As soon as I was made aware of the situation by XXXX, I paid the account because XXXX indicated this was the fastest course of action. 

I have attempted work with XXXX XXXX to resolve this situation and I have paid the account to resolve it as well. This has become an impossible situation to resolve with XXXX or with Experian. Here is a summary of the facts : -The XXXX XXXX account listed IS NOT MINE. 
-I have exhausted everything I can do with XXXX XXXX to resolve this including : +I have disputed this with XXXX and Experian in writing and they have verified in writing that this should be disputed. ( See attached ) +Experian has made multiple attempts to verify with XXXX with no success to verify the letter. 
+I have made multiple calls to XXXX Executive offices and they will no longer assist or verify. 
-There is a letter attached requesting the information be deleted and yet the information remains. Experian has called XXXX multiple times to verify the letter and they can not get anyone to help them including the Executive Office and Account Recovery. 

I need some additional help in order to get this deleted from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: NV

Complaint narrative:
this is in regards to previous complaint filed with cfpb # XXXX Transunion responded that XXXX had responded that the status is " transferred to another office '' and they sent me the copy of the report. However the status still states " 120 days late ''. There is no balance, it is not possible for {$0.00} to be currently 120 days late. 

Transunion did not update the payment status at all and only added comments in the remarks section stating that I dispute the info and that the creditor states account was transferred. This did not update the status. THEY NEED TO UPDATE THE PAYMENT STATUS which means changing the " 120 days late '' to " account transferred ''. 

And they need to remove the dispute remarks from the remarks. 

I have attached a page from my XXXX  report so that Transunion can see how the status is supposed to be reported. Transunion has been reporting incorrectly for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I entered a two year agreement with XXXX and as a part of that agreement I was supposed to receive a discounted rate for the full two years. However, after a year, XXXX removed my discounted rate stating that I did not fulfill the terms of my contract because I did not have any other services with XXXX XXXX XXXX. First of all, they don't offer high speed internet in my area, I have no use for a landline phone, and their cell phone charges are double what I pay with XXXX. Therefore, it would not have benefited me at all to add any other XXXX XXXX XXXX service and shame on them for trying to strong arm customers into using their inflated and inferior services! Also, this was not part of the original agreement and the representative on the phone stated I had received an email with a notice to the change of the terms and conditions. However, I could not locate such an email and neither could the representative on the phone. I tried for about an hour on the phone to remedy the situation, however I kept being told there was nothing they can do besides offer me other " deals '' that were all more expensive than the deal I had. Therefore I cancelled my service and they charged me an early termination fee. I feel that they are the ones that breached the contract, not me. For those reasons, I dispute the debt that has now ruined my credit by going to collections and constantly getting transferred. Also I would like to note, the Representative who first approached me about getting service with them told me that I would not pay an installation fee. I told him I was in the process of buying a house and would move in about 2 months. He told me that neither installation would be charged. However, when I moved, I was charged an installation fee. When I called about it, I was told they had to charge the fee. I was mad about it but didn't want to spend time and energy disputing it. If that were the case, I would have waited until I moved! Working with XXXX was a nightmare from the beginning. I wish I would have stuck to the original service I had with XXXX. I have disputed this collection with the first collection agency by mail, with all 3 credit bureaus, and with the most recent collection agency, Diversified Consultant, by phone and have been unsuccessful in each attempt because XXXX keeps providing a statement that shows the early termination fee. Yet, they still have not provided information showing that I was provided a change in terms, which according to them would have allowed me to cancel after a certain amount of days without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A couple of months ago i called Wells Fargo my mortgage servicer and i set up bi weekly payments for my mortgage. The usual monthly payment is {$1200.00}. I simply wanted the payment split into two monthly payments of {$600.00} each ... every 2 weeks. My bi monthly payments have been coming out of my bank account every 2 weeks as planned. Well l recently got a call from wells fargo stating that my monthly mortgage is a couple of months past due.This blows my mind as my monthly payment of {$1200.00} has been paid EVERY month. The rep on the phone said that when the bi weekly payments were set up they were set up to go directly to Principal and NOT my normal monthly payment. I NEVER said i wanted the payments to go to principal. I simply wanted to set up 2 monthly payments that equal my Monthly mortgage payment. When i spoke to the collections rep she kept trying to get me to state that i was having a " Hardship ''. Which i am NOT at all having a hardship. I currently work 2 jobs and i have NEVER missed a mortgage payment in my entire life. I told the rep that and she still insisted that i was having a hardship and she wanted to put me into some program. They are the ones who completely screwed up. Wells Fargo has DESTROYED my great credit score. I was NEVER late and i can prove it. Who would be making monthly payments ONLY to  Principal and NOT pay their normal monthly payment???? This is so stressful and frustrating and they have charged me late fees and reported me late on my credit when in fact I AM NOT LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing. 

They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate. 

Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant. 

Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: ME

Complaint narrative:
I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. 
My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. 
I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. 
Navient also changed my original repayment agreement without my permission. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX sent a misleading email stating that we were 2 % from our companion pass. This email induced us to spend money on the chase card ( which is how wed earned the overwhelming majority of our points in 2018 ). The email did no state that spending on the chase card between XX/XX/XXXX and XX/XX/2018 would add 0 qualifying points toward the XXXX companion pass. Furthermore, on or about XX/XX/2018 I called XXXX and spoke to a representative who confirmed multiple times during the conversation that {$1.00} spent on the chase card = 1 point toward my companion pass. The southwest representative understood that I was referring to the 2018 year for the companion pass. XXXX thru the email they sent on XX/XX/XXXX and the phone conversation with their representative on or about XX/XX/XXXX misled me, the consumer, in such a was that induced me to spend over {$4000.00} on the Chase card between XX/XX/XXXX and XX/XX/XXXX. Had I not received the email from southwest I would not have acted in the way that I did. XXXX misled me, to the benefit of Chase. I can provide the email and subpoena the phone call with XXXX from XX/XX/XXXX as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I received a notice from Javitch Block LLC saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/18 I drove to the atm located in the XXXX XXXX XXXX in which I tried to withdrawal XXXX, the machine defaulted and I canceled the transaction and drove to the bank and withdrew XXXX from the bank atm, my account was debited for both transactions, I disputed the charges on XX/XX/18 with XXXX in the branch and since said date have received 5 denials of the refusal to return my money, I also found another transaction dated XX/XX/18 in which my account was double debit in the amount XXXX I faxed receipts for the transaction and was refused reimbursement for the bank error, each time I requested them to review the camera footage of transactions and each time I am told the atm has balanced for the day in question

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
It has been a battle with this bank since day one with their illegal fee charging! Even when we have money in the account to cover fees, they charge us overdraft fees!! They are stealing from their customers and it must stop!! I do not have the time or patience to go through the account for each THEFT so i am going to focus on this last one because I am done and will be switching banks!! 
We were charged an overdraft fee, they say, for a charge on XX/XX/23. THERE WAS MONEY IN THE ACCOUNT!!! Please see XXXX  report. After the last time I had to fight them to get the money back THEY STOLE FROM US and they refused to, I have been VERY CLOSELY monitoring the account and even closed the savings account as a first step to get rid of them. THEY HAVE NO RIGHT TO DO THIS TO THEIR CUSTOMERS!!! This bank should be shut down for all the illegal actions they take on innocent consumers!!!

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 2019-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed hard inquiries on my XXXX credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to Bank of America to remove the unauthorized inquiry. I then filed a CFPB complaint against XXXX  and Bank Of America on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX XXXX  replied to my CFPB complaint file # XXXX, I was informed through XXXX  reply to contact the furnisher of the inquiry. Which I did. 

( Bank Of America ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

Bank Of America did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, XXXX insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( Bank Of America ) giving me the run around back to XXXX that also did not investigate initially to see that Bank Of America can provide proof of consent according to FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hidden Oak Group, Inc.
State: OH

Complaint narrative:
I received a notice from XXXX XXXX XXXX saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and XXXX XXXX trick customers into loans they can not afford and then repossess and that is how they make their money. Slovin and Associates is who garnished my wages for XXXX. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with CAPITAL ONE, N.A.. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE, N.A. were no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with BESTBUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BESTBUY/CBNA were no successful resolution. XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018

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