vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC
State: OK

Complaint narrative:
On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.

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 2018-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.

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 2018-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im having issues with XXXX  because they did not report my dispute correctly/timely for a charge I did not authorize. I was contacted last week by XXXX who advised the account is in dispute with MasterCard. I said a payment is about to be due and I wasnt trying to have collection calls over this one charge and finance charges. She confirmed I would not be receiving collection calls. 

I have received the following excessive calls from their collections department which is against the Fair Debt Collections Practices Act : XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  Text message from XXXX sent and received at XXXX XXXX today XX/XX/XXXX as well as a call at XXXX XXXX. 

The calls are harassing and the account is not even supposed to be showing delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
When I originally purchased my home the bank representative advised because of ltv issue would have to pay pmi and taking this balloon would get me around having to do that almost 12 yrs later my balance is close to what I took it for and in XX/XX/XXXX I will have a balloon payment or refinance. I tried to get help from the company who made this loan back in XX/XX/XXXX but to no avail they had sent me information to lower rate and convert it they said I didnt qualify due to the fact I had enough income to handle? If that was the case the cost of pmi at the time probably would of been the same amount that the 2nd mtg I've been paying for the last 12 yrs would of likely been done and over and no responsibility to this nutty makes no sense 2nd mtg. What are my options out side of refi to pay off which is not the point I should have never been taken advantage of for this product that really could of been avoided due to the greedy sales person who got a bonus by making another loan?????!!!!

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I sell online for XXXX. During XXXX I always have a larger deposit because we specialize in toys. I have been with this bank for 4 years and the pattern is evident. This year when we got a large deposit they froze my funds and closed my debit card because of the amount of the deposit. When I called to find out what was going on, I was informed that the bank had decided to end our relationship. I had no access to any money, couldnt log onto my online account, and none of my cards worked. I am still in the waiting period for my funds to be mailed to me. I have incurred bounced check fees, online reversals of payments, delays in deposits from other sources, and just general frustration. How can banks do this to people? I literally have XXXX in the bank but cant get gas.

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.

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 2018-12-29 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: CORELOGIC INC
State: VA

Complaint narrative:
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Corelogic Credco have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.

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 2018-12-29 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: LendUp Loans LLC
State: TX

Complaint narrative:
I have recently found myself in an unwarranted financial crisis with a company named FLURISH INC DBA LENDUP. On or about XX/XX/XXXX, I obtained a loan through this company to rebuild my credit. Shortly thereafter ( XX/XX/XXXX ), I changed banks and multiple attempts to contact LENDUP to update my account to reflect my new account changes went unanswered. Between the months of XX/XX/XXXX and XX/XX/XXXX, countless attempts to contact LENDUP were made. Additionally, LENDUP has not reached out to me neither. 
As of XX/XX/XXXX. 2 + years later, any and all attempts by me to make contact to pay this debt has failed. Every month, Lendup relentlessly updates my credit report with 120-149 Days Late, which has destroyed my credit score. 
My most recent and probably my last attempt to reach out to LENDUP was yesterday XX/XX/XXXX. Four different approaches were used to contact them ; 1 ). email ( XXXX ; XXXX ), 2 ). Online submit @ https : //www.lendup.com/contact ), 3 ). Cellphone, and 4 ). Attempted to create a new account to gain access to their system, however the system states the SSN submitted is already in use, prompting me to log in using a different account. Each time I send an email, I receive a system generated email response that states, Thank you for contacting us! We're currently experiencing higher than normal response times via email. Please note if you are not logged into your account, response will be delayed further. 
I have exhausted all efforts to contact this company. It is in my professional opinion that FLURISH DBA LENDUP is in violation of the Fair Credit Reporting Act. Furthermore, I feel FLURISH DBA LENDUP is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. The company has not given me the opportunity to repay this loan as I promised, to build credit and provide access to cheaper loans, as it claimed. My family and I are struggling tremendously with higher interest rates and I am unable to obtain a loan for a house or vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: VA

Complaint narrative:
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A friend of mine wired {$1000.00} into my account on XX/XX/18 - and Wells Fargo charged ME a {$15.00} " wire transfer '' fee! 
I'm quite sure WF charged my friend a transfer fee as well ... but why would they charge ME a fee when HE initiated the transfer!? 
What scumbags these people are ... Wells Fargo 's recent {$570.00} million fine has obviously NOT deterred their criminal behavior.

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 2018-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient has been an extremely difficult company to work with and I am not sure they are servicing my loans appropriately. They service my private student loans, which are under my grandmother 's name as she is listed as the borrower even though I am the student who needed the loans at the time in XXXX. This company has not been helpful to provide me with information that I need to service my loans. I had applied in XXXX of XXXX for a reduced rate payment program and it was to last for 6 months. At the end of the 6 month period, I did not receive a letter stating the program was ending and that I had the option to re-enroll. They also informed me in XXXX that I had been set up with pay ahead payments, which they did not clearly explain to me what that was. All I understood from that conversation was that I had been paying ahead on my loans, which I never gave permission for them to do nor did I receive any notification that my payments were on the advanced pay schedule. Prior to enrolling in the reduced rate program, Navient did not explain to me all my options for reducing my payments since they were extremely high for the last several years. It wasn't until I made continuous phone calls that they were able to explain this program to me. Also, since the loan is under my grandmother 's name, it is very difficult to find out information since I am not the main borrower, even though I have been the one making the payments since the start of my loan in XXXX. During that phone call in XX/XX/XXXX, an employee explained to me that I could fill out a power of attorney form so that I could make the decisions and receive all information for the loan. Again, this was never provided to me as an option throughout all my difficult phone calls over the years with Navient. Furthermore, their website is not user friendly and does not provide me with detailed information regarding the student loan. It's difficult to find out when the loan was even dispursed. All correspondence is only operated through their log-in session and only goes back to XX/XX/XXXX. If I need a document beyond that, I can't access it online and I'm not even sure if I could receive it if I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had a hard inquiry on my Transunion report from XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Transunion said I should contact XXXX I wrote XXXX a letter to please respond when I did this..I did not apply with them. 
As of XX/XX/18 I have not heard back from them.

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 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
COMPLAINT There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account. message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account??? Money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$24000.00} In addition to my original and unanswered complaint a received a letter with Chase letter head, informing me that application XXXX rewards visa card application was received in my behalf. 
Who gives you right to share my personal information with XXXX?? Reference number XXXX. 
If bank did not do it, it certainly fail to protect my personal information. I did not apply for any XXXX VISA. These will be all part of my lawsuit and Class Action suit against the bank for all the damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Although I no longer have access to this account, However, the customer service staff at Care Credit gave me the following information. 

I purchased XXXX XXXX from my XXXX ' office, XXXX XXXX XXXX on XX/XX/XXXX, for XXXX. I made generous payments so my balance as of XX/XX/XXXX was XXXX. 

This XX/XX/XXXX- I noticed on my credit report we received from our mortgage company ( much more in-depth ) that there was another charge on the same CareCredit for XXXX. 

I did not make this charge and would like to know where the money was sent. It did not go to my XXXX  's office. I only made this one purchase on this card. The irony is it was paid off in XX/XX/XXXX. 

If you call fraud at CareCredit they say they only have statements 6 months back. If you call customer service who does have access to XX/XX/XXXXthey say you have to call Fraud. Therefore, no one can tell me where the money went. It appears my card was used as a cash advance that I can not understand. And I believe it was my husband XXXX XXXX who did this. I tried to access my CareCredit account online and there was a username saved on the login site that was not mine. It was XXXX. That looks like a social security number. There was no saved PW so I could not log in. Therefore, it would be my IP address which is scary. I would like to know who or what banks made the payments for this second {$4200.00} fraudulent charge ( 1st criminal to pay it back ) and what bank or business received the money? I can not get an answer and need to know who is using my cards and for what purpose.

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 2018-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2018 - XX/XX/2018 - XX/XX/2018 and XX/XX/2018, Capital one has made inquiry 's on my credit thats wasn't authorized by me and it's affecting my credit and making financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
i wrote them on XX/XX/2018 about this inaccurate account which states that my account has been closed with 60 days late payments, haven't heard from them them concerning this negative item on my credit and i would like it resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/XXXX : Sender tried to send me {$500.00} through XXXX XXXX bank using my cell number. Just as they hit send, they noticed that the name that came up was not mine XX/XX/XXXX : Sender filed a dispute with XXXX to retrieve the money. It was deposited in to an account with XXXX that was not mine, but had my cell number registered with the bank and XXXX I have not used XXXX before, but I have since learned that to register XXXX, a person would receive an activation code sent to their cell which they would need to input to their bank to confirm it is their number. I've spent three weeks speaking with XXXX, XXXX and my bank ( XXXX ) to keep asking how someone could have registered my cell number, as it appears that this is a security/fraud issue. 

XXXX has been active for about a year and a half, and I have had the cell number for two and a half years, so this person would never have received an activation number to be able to register the cell number with their bank. 

XXXX has confirmed that the money went in to this person 's account with them. The sender has put in two disputes with XXXX, but they will not do anything to retrieve the funds and send them back. They have said that it is the sender 's fault for not noticing the person 's name when they hit send. However, this would not have happened in the first place had someone else not been able to register my phone number. 

XXXX has told me this is a bank issue. XXXX won't help me as I am not a customer of theirs, and XXXX won't help me with this because they were not involved with the payment. I don't know how to get help with this. To me, the main issue is how this person could ever have registered my number without the activation code. 

Secondly, XXXX asked me if my cell number had received the notification that money was sent to that number. I told them that no, I did not received any notification, which apparently I should have received that as that was the number the money was sent to, even though it was linked to another account. Apparently when money is sent you to, the number receives notification, and a link to accept the money. My number did not receive that, so I can't see how the money was then apparently sent through that number. 

These are the questions that XXXX nor the banks will answer - how did someone register my number without the activation code, and if that is the number the money was sent through then why wasn't notification sent to that number. 

I would really appreciate your help with this. It has been awful trying to get these places to help me, constantly being bounced back and forth, and no-one recognizing that they don't know how someone else registered my number. How many other people could this happen to?

Company response to consumer: Closed with explanation