vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee. 
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name. 
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus. 
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX. 
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus. 

This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department. 
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice. 

If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress. 


Thank you, R L

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Unfair deceptive practices. Complained about insurance not covering what Im paying for, retaliation for filling complaint by having credit reduced 2 times when account was paid off completely. Asked for a copy of credit review was told cant have company only keeps for 6months. Rep kept referring to other customers account and I was only calling about my account and was was going on with my account. Paid accoynt on XX/XX/2018 and XX/XX/2018 XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Account was reduced to XXXX called rep advised that my account would be back at credit XXXX since it was paid in full. Not true sent secure message to complain and close account. Message sent back from new york company stating reduced credit due to non payment. Called into call center complained. Received a letter dated XX/XX/2018 on XX/XX/2018 saying credit was reduced again to XXXX  this time due tan an review which seemed to happen after I complained and filed another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CA

Complaint narrative:
I was looking to buy a car and went to XXXX website. I found a car I liked and talk over the phone to " XXXX ''. I applied to be pre-approved over the phone around XXXX, she texted me at XXXX that I was pre-approved and to call her back. First, I called many times and was never able to reach her so the next day, I went to another dealership with a similar car, applied for financing and they told me that my credit was bad and that I had NINE hard inquiries on my credit report the previous day. 

Under no-circumstance I authorized XXXX to run 9 requests on my credit report, I was expecting to have one hard pull but not 9 which is extremely damaging to ym credit. Also I do not understand why someone texts me to call but doesn't pick-up the phone ...

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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied XX/XX/2018 through XXXX XXXX to acquire an American Express ( AMEX ) credit card. There are several false and highly misleading aspects of this process : 1 ) The number they have issued to me over the internet is not a credit card number according to the AMEX help center at XXXX. 
2 ) The AMEX web site states a credit limit of {$2000.00} which is fine ; what they did not disclose is that it can only be used for XXXX, not any other seller. This is a critical failure to fully disclose a limitation which renders the card useless to me at this time, as I intended to use it at another online vendor. 
3 ) The AMEX site states a delivery time for the actual card to be 3-5 days ; the help line above quotes 7-10 days. This is a false statement. 
4 ) The new card help line ( XXXX ) states the new card can not be delivered within the 3 day window which would have been helpful to me, and states they can not expedite the card to overnight status within the USPS. They stated if I had requested the expedited delivery while I was applying, they could have done that. Again, failure to disclose an option during the process that was refused after the fact. 

They require a {$2000.00} charge to validate an airline miles award which must be done within 90 days. It will be interesting to see if they renege on this one also. 

If the card can be overnight delivered to me, and can be used at other vendors than XXXX, my problem would go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX ( a bank holiday ) I deposited a money order for {$190.00} at a Wells Fargo ATM. The receipt indicated that the funds would be available on XX/XX/XXXX, unless an additional hold was required. 

On XX/XX/XXXX, the transaction posted to my Wells Fargo checking account, accompanied by a transaction reversing the deposit. I contacted Wells Fargo on XX/XX/XXXX by phone, and was told that money orders must be deposited inside a branch, and that the money order would be returned to me via postal mail. 

On XX/XX/XXXX, I contacted Wells Fargo again by phone. The representative was unable to offer any information as to the reason for the reversal or what I should do, and suggested I visit a Wells Fargo branch. I visited a branch that afternoon ( the branch where the original deposit was made ) and spoke to a banker. The banker indicated that the money order was in transit and I would receive it soon. I could then return to the branch with it in order to make the deposit. 

On XX/XX/XXXX, I received mail from Wells Fargo " ATM Deposit Exceptions ''. The subject indicated " Check enclosed and deposit amount adjusted for your account ending in xxxx ''. The letter indicated the the check was not accepted because it was a " Non-Negotiable Item '' and that they were enclosing a COPY of my check. 

This leaves me with no options for receiving the {$190.00}.

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 2018-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I received a letter in the mail from Lakeview Loan Servicing , LLC in XX/XX/2018 stating that I had an escrow shortage of {$230.00}. I sent them the payment in full and the amount was cashed from my bank account on XX/XX/2018. The letter stated that If I do not make the escrow shortage payment, then I would be responsible for increasing my monthly payment to {$870.00} beginning XX/XX/2018. It also stated that if I do make the payment, I would only be responsible for making a payment of {$850.00}. 

On XX/XX/2018 I checked my bank account and the loan servicing company withdrew from my bank the full {$870.00}. I called immediately and asked them to apply the difference to the principal. When I saw that they did not do that, I called a second time and asked them to mail me a check for the difference. The supervisor told me that he would mail the check and put a rush on it. I waited about a month to receive the check in the mail, and never received it. 

I called the company again today, XXXX, and the person over the phone told me that they will not be giving me a check, but will be holding it in their account and applying it over time towards my escrow payments against my wishes to either mail me the difference or apply it to the principal. I explained to the agent over the phone that this was mismanaging my money, no matter how small the amount is, and he was not interested in helping resolve the issue, despite admitting fault that the company wrongly took an excess of money from my account. 
This is the second time I have had the issue with this company taking out more money from my account after paying an escrow shortage. The previous incident occurred last year. I did not report that incident.

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 2018-09-18 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: AES/PHEAA
State: PA

Complaint narrative:
I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance. 

I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans. 

I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments. 

I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. 

I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. 

I work for XXXX XXXX XXXX and XXXX  as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. 

I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. 

I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. 

I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. 

It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. 

I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. 

I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. 

Thanks in advance.

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 2018-09-18 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: LA

Complaint narrative:
I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, EXQUIFAX, XXXX AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX Sale {$1600.00} I was purchased XXXX $ of goods through a distributor. It turns out that the goods were counterfeit and basically I was scammed. I have contacted my bank multiple times through the phone, through fax, I sent a letter with a tracking number. I was told that they can not dispute the charge because it has been past 90 days. The reason why it went over 90 days, to begin with, is that of the banks ' negligence and rebilling me for the transaction. The representative filed a dispute with the wrong reason code. I am trying to get this error corrected but the bank refuses to work with me. They also closed my account over this issue because once I was rebilled I went over my credit limit and therefore they called me a liability for something that was never my fault to begin with. My credit score took a major hit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX and on XX/XX/2018 I opened a XXXX XXXX savings account with American Express XXXX XXXX. Over a period of two months I deposited {$300.00} dollars into the account and set an automatic payment option into the online system to deposit {$100.00} per month. The money has been deposited each time per this automatic payment. 

I recently logged into the account to find my account was closed, despite my continued depositing of automatic payments. I have called American Express XXXX XXXX   multiple times and they simply state my account was never opened. If I log into the American Express XXXX XXXX Website, it states my account is closed. However, when I check under XXXX XXXX, it states the account was opened on XX/XX/XXXX and my external banking source ( XXXX XXXX XXXX ) was linked. My bank statement from XXXX XXXX XXXX also shows this money being transferred to XXXX XXXX XXXX. 

Since the account was closed, I have not received any of the funds I transferred into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, XXXX AND TRANSUNION. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.

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 2018-09-18 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: LA

Complaint narrative:
I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, EXPERIAN AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.

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 2018-09-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

Company response to consumer: Closed with explanation