vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I owe Wells Fargo around {$10000.00} on a personal line of credit. the loan is 150 days past due. I am XXXX years old, XXXX and on a fixed income and can not pay the payments. I recently had a family member mention that they could possibly give me a small loan to settle the account if I could reach a reasonable settlement amount. I talked to Wells Fargo collections on XX/XX/2018. I asked to discuss a settlement for the account. As always when I talk to them they wanted a payment of over {$1000.00} and to set up a long term payment plan and said that they would not settle for any agreed pay off and she transfered my call to something that I think she called a hardship department. Another rep started talking to me and it was the same conversation about me paying a smaller amount than the {$1000.00} ( no specific amount ) and a long term payment plan. I told this rep that I need to discuss a settlement to fully close the account. He also told me that they they do not settle. He asked if I could get money to settle then why could I not pay their payment. I told him that if I borrow the money to pay him and the payment plan that I would have to deal with paying 2 loans. If I pay the Wells Fargo loan off then I would have one payment. He also indicated that I could be hiding income sources from him. It appears that Wells Fargo is taking advantage of people by forcing them to take a product that they don't want by not giving a choice.

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 2018-07-11 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: OR

Complaint narrative:
Reported to XXXX, XXXX and Experian that the balance has been paid in full still reporting that I owe 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
Consumer complaint received 2018-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 
I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 
My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 
I demand reinvestigation this dispute for account information from XX/XX/2017-XX/XX/2017 " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 
I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send 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 2018-07-11 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XX/XX/2018. 

Exeter Finance is one of the companies that was solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager.

He refused to help.

It is unfair that they did that. It lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My father passed away. I notified XXXX XXXX of his death on XX/XX/2018. They said wait 30 days for information and that his account would be frozen. The exact balance was unknown to us at the time but was likely {$200.00}, it is now a month later and the balance is {$420.00}. They charged the account a late fee and interest and refuse to remove it even though they admit it shouldnt of happened and that it should of been frozen back on XX/XX/XXXX. I was never provided a balance payment even though I gave them new contact info. This is a violation of the card act. 

As insult, a supervisor said something to the effect who cares if hes charged fees or interest, hes dead and you dont need to pay it off. I dont think he understood how disrespectful that is and that it offered no comfort as we have to close the estate. I dealt with employee XXXX They told me to write a letter to the company to disput policy, but gave me no specific contact info. 

They wont let me access or pay the account in the meantime as Im not an account holder. 
Please help, this is making me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My tax return had the incorrect account number on it. We noticed as soon as it was filed and contacted the IRS but they said that the bank is required to return the funds if the name on the account does not match the name on the deposit. The day the funds were deposited to the account XX/XX/2018 in the amount of {$4600.00}, I contacted the bank and they said that there was nothing they can do to return the funds since it went into an open and active account, they said I need to contact the IRS to reclaim the funds, once they receive the request from the IRS they could return it. So I did that. The IRS sent the request to have the funds returned however the bank responded stating that the account owner has already used the funds. I understand the incorrect account number was input on my tax return however those funds should have been placed on hold as soon as I contacted the bank so that the account owner could not use those funds. If the bank would have done their due diligence and placed the hold when I contacted them they would have been able to return MY funds to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Reported to XXXX, Equifax and XXXX that the balance has been paid in full still reporting that I owe the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: PNC Bank N.A.
State: IL

Complaint narrative:
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times.

PNC Bank is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger.

He refused to help.

It is unfair that they did this. It has lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion still showing the accounts are not paid.

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 2018-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Mortgage Group, LLC
State: TN

Complaint narrative:
I am a XXXX Veteran and I trusted XXXX XXXX XXXX with my private information to do right by me so my kids and I can have a home. On XX/XX/2018 I told XXXX XXXX, sales manager for XXXX XXXX XXXX   that my credit scores were above XXXX. XXXX XXXX told me if that is the case he can get me 4.125 % interest rate. On XX/XX/2018 XXXX XXXX pulled my credit and said he can get me a 4.325 %. My scores are excellent and above XXXX. I said you told me that you can get me a 4.125 %. XXXX XXXX was not being transparent with me. 

On XX/XX/2018 called XXXX XXXX XXXX and talked with another loan specialist and he told me I can get a 4.2 % interest rate with my credit scores. And he said I can buy down the rate to 4.0 % with {$2000.00}. 

I got a call from XXXX XXXX on XX/XX/2018 and he yelled at me, " You called one of my fellow employees and we can not work like that, you need to get a loan from another company. '' I told him I signed my contract and you pulled my credit reports and got my bank statements, driver license, and Certificate of Eligibility. He said, " it does not matter. '' I asked him to take the inquiries off my credit reports and return my complete file. XXXX XXXX hung up the phone in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Ameritech Financial
State: PA

Complaint narrative:
Applied and Completed application with Ameritech ( XX/XX/XXXX ). Company initially charged a fee of {$88.00} in the first month ( XXXX ) and then three payments of {$280.00} in each of the next three months. {$99.00} was charged monthly until membership was cancelled ( XX/XX/XXXX - monthly Ameritech fee already withdrawn ). Customer noticed that while making the payments to Ameritech balance of federal loan was not influenced by amounts paid to Ameritech. During the courting process, agent working for Ameritech did reveal that monthly payment would be lower but did not accurately nor thoroughly described what services they were providing, namely enrolling customer in repayment plans. Agent did not mention that the fees Ameritech would withdraw do not directly go toward the balance of the federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: NV

Complaint narrative:
Yesterday, a fellow from Citibank called to tell me of an overdue bill and a late charge from XXXX. I told him there was a problem with paying it since I havent had a XXXX card since XXXX and have never had a Citibank account.. He advised me that my problem was with XXXX. Citibank transferred my call to XXXX.XXXX had no record of my existence, and the only other way the rep could locate the invoice required the number on my membership card. So, if my nonexistent card were unavailable, the only way to resolve this dispute was to reason with Citibank.

Today, I received an email from Citibank/XXXX advising me that on my account # ending in XXXX, " You've got {$2.00} cash back on your XXXX reward certificate waiting for you. '' XXXX has not sent me a card in year, nor to my knowledge, have I ever paid an annual fee. Citibank does send advertising literature, but not billing statements. A payment I made on an existing balance was transferred to XXXX XXXX years ago.

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 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Greetings, I opened a banking account with USAA on Sunday and I deposited {$25.00} dollars from my other banking institution and on Monday, I also spoke with an agent in regards to the account and she told me that everything was perfect and that my personal check and debit cards is on the way to my house for myself and my wife. 
Today, as I was revising my account, I noticed that the {$25.00} was OFFSET, so I called USAA and the agent informed me that the {$25.00} was used to pay a debt I supposedly have with USAA for the sum of 5 thousand dollars plus, which is completely bogus and I told her thank you very much and she also informed me not to deposit anything into this account because they will take it to offset the negative accounts. 
Now, let me fully explained what happened with USAA and the abuse and unjustice they caused me and my family during the year of 2012 when we were in the XXXX XXXX. My card and all of my personal items was stolen by armed robbers and they used my cards to go on a spending streak, now when i called all of my cards company and banking institutions as well as the US embassy in XXXX XXXX, everyone and companies was very helpful and closed my accounts and reimburse all cash that was fraudulent. Except the big boy USAA and one of its representative that was so rude to me stating that i had log in my account why did i not say anything and that it was not a fraud claim and there's nothing that they could do for me. I couldn't argue or anything because they did not give me any opportunity. I never in my life felt so direspectful by a company and abused by a company like USAA and I need help now, because they are the ones who owes me {$5000.00} dollars for suffering, I had to borrow money in order for me and my family to get back in the states and this is not the first time that I've heard about this type of unjustice. These agents are above the law, rude and treat you like you are the robbers it is time to get justice, I had let it go since I couldn't win but for them now to take {$25.00} from me to open a new account which they allowed me to open it's reason enough to show the unjustice of this company and yet they keep saying that they are out to help military and their families? where is the help USAA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit report for financing 16 times on XX/XX/2018. 

Santander Consumer is one of the companies that it solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did this. It lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates I recently paid off 7 accounts with you that company. They are reporting these accounts with a status of 120 days or more past due, I NEVER had any contractual account with them at all, never an agreement to make monthly payments. They are inaccurately reporting negative information. They updated the 7 accounts by decreasing the balance when it should be {$0.00} balance. You can not report a status of 30,60,90, nor 120 days past due when I wasnt liable to Portfolio for a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Today XX/XX/18 Bank Of America Just Decided To Close My Account After I Tried Reporting My Card Lost Or Stolen. Instead Of Asking Just Locking My Bank Card And Offering To Set Me Up A New One They Closed My Whole Account Without My Acknowledgement, Then When I Called They Said They Arent Requried To Tell Customers Why They Close An account

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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc.
State: FL

Complaint narrative:
ON OR ABOUT XX/XX/XXXX I AUTHORIZED ALLIANCE TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX XXXXXXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED ALLIANCE ONE, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY ALLIANCE ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN BY COMMITTING FRAUD ALLIANCE WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE S REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

ALLIANCE DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR MR. XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX  XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: CIT BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation