vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have worked at a non-profit organization since XX/XX/XXXX. Since XX/XX/XXXX I have paid on-time payments each month. When I initially started making payments on the income based plan I realized my total overall amount was increasing due to interest. I called XXXX and was advised that I could change to the standard payment plan, and that this plan would still qualify me under the PSLF program. Again, since XXXX I have paid on-time payments, never missing a payment, or being late for a payment. I am now told that none of these payments qualify under PSLF. I am beyond disappointed and feel this is unfair and unjust. Again, I was told by XXXX that I would qualify for PSLP as long I my payments were on-time for 120 payments. I have attempted to speak with someone via email multiple times regarding this issue, but am only given a very generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: RI

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account and bankruptcy have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. .The error has hurt my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
XX/XX/2018 HSBC account opened account and funded with {$100000.00}. 
Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXXXXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a wellsfargo bank account and had a credit card with them. Then my debit card got stolen and they started doing fraudulent stuff in my account and Wells Fargo chose to close my accounts. It was closed on XX/XX/2016.

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 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
In 2012 i was using XXXX account to buy items on XXXX. They unwittingly enrolled me into the program and was charged for items and fees, due to their deceptiive practices.

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 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
1. On XX/XX/2018, a purchase was made in the amount of {$160.00} for a defective medical device. I returned the unit via USPS and provided a copy of the email from the company and a receipt to Wells Fargo. On XX/XX/2018, Wells Fargo deducted the amount previously credited and did not notify me in order for me to preserve my rights and dispute fraudulent allegations from the merchant. Hence, I have not received a replacement device or a refund. Merchant fraudulently presented a receipt stating no refunds, exchanges only. If that is the case, why have I paid for something I do not have? I have not received the item and Wells Fargo took {$160.00} from me, their customer without informing me. Wells Fargo upheld a scam involving me as their customer. I am appalled and need resolution. 

2. Wells Fargo did the same thing addressed above and did not inform me. After a provisional credit from XX/XX/18, Wells Fargo took the money back out of my account on XX/XX/2018, without informing me, causing problems with my balance. I was told to expect a letter within 10 business days. Again, this occurred several months ago and I wasnt informed that money would be taken out of my account.

3. There was a {$1400.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18, I was not informed of this withdrawal. 

4. There was a {$43.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18. I was not informed of this withdrawal. 

6. There was a {$86.00} withdrawal by Wells Fargo, ATM reversal. No explanation given for this shift. 

I have been the victim of fraud and abuse and Wells Fargo is upholding the fraud and causing unbearable financial distress to its own longtime customer. Their practices are not fair and a customer should be noticed and given an opportunity to address their rights in a timely manner. In each one of these instances, several months have elapsed, essentially voiding my opportunity to dispute. Further, my evidence has not been taken into consideration at all by Wells Fargo. I presented my dispute, in writing and by phone call. These deceptive practices must stop. In good faith, I spoke to 3 representatives at Wells Fargo, the last one was XXXX in the Claims Assistance Center. I was told, you lost and theres nothing that can be done. I told XXXX that I would escalate further and he told me to do what I needed to do. I have lost money, although I in good faith disputed products and services not received. I am still in receipt of my documentation in each of these matters. Wells Fargo should always contact the customer prior to withdrawing/charge-backs.

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 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Sierra Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX To Whom It May Concern : I am writing this letter regarding Auto Dealer Fraud and Credit Application Fraud for XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. In XXXX of XXXX my sister purchased a vehicle from XXXX XXXX where originally I was going to cosign on the car, however the sales representative decided my credit was stronger and placed the loan in my name unbeknownst to me. I never signed any documentation or even visit the location and had no idea about the loan until XX/XX/XXXX when I received a call regarding late payments. I explained that I had not financed a car through them and that the car belonged to my sister, I never signed anything so how do I get this handled. I was forwarded over to a supervisor by the name of XXXX XXXX who immediately recognized the signed contracts had been forged because all the signatures looked the same, she forward me the contract and advised to have my sister call in to refinance in her name. I spoke with my sister and she assured me everything was taking care of. I happened to pull my credit report and saw a repossession on my report, I called the finance company immediately and was advised even though she still had the car, because it was repossessed and she retrieved it back it would stay on my credit for seven years I advised them the car should have been removed out of my name and placed in hers because I never signed any documents, I was advised that once she completed the payment arrangement and get back in good standing they would refinance the loan in her name. To date that have not occurred and is still reporting negatively on my credit report. I never signed a contract, I never been to that dealership, I was never told about the loan or the terms regarding the contract and the finance company is well aware of the fraudulent act and did nothing to rectify the situation and continue to report negatively to the credit bureaus. I am pleading for your assistance in getting this matter handled. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX   and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX, this morning i awoke to two collects on my credit report that do not belong to me from a company called XXXX XXXX XXXX XXXX XXXX for XXXX and the other for XXXX. I attempted to call the company who left me on a hold of 11 minutes and also tried disputing both of these on my credit karma but only allows one at a time. I was arizona department of corrections inmate number XXXX and before that was in XXXX  here in arizona awaiting to go to XXXX, this is public knowledge. Now I have a great job was on my way to a great credit score and this happens. Both of these show up today on XXXX XXXX stating that they have been reporting since 5 years ago which I find impossible, just like the XXXX XXXX account that was closed due to fraud as well while i was gone. Please assist me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: DC

Complaint narrative:
there was an inquiry on XX/XX/XXXX and the company does not have any record of credit card opened under name. Called on XX/XX/XXXX to Kohls and they researched the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A per standard advice I have put a credit freeze on my Equifax account. 
I should be able to suspend this by going to my.equifax.com. I have been unable to access this account. 
Equifax states that my account is locked and they are looking into the matter, and it would be corrected within 7-10 days. It has been 3 weeks, and in spite of numerous calls to them the problem is unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Back in XX/XX/XXXX I was approved for Home Project Credit Card to complete a major project in my home from a lending institution. In XX/XX/XXXX I paid off the balance on the card. 

I attempted to you this card his morning ( XX/XX/XXXX ) only to discover that due to inactivity the lending institution closed the account in XX/XX/XXXX unbeknown to me. 

The same institution had some racket going on, that prompted me to give them a call back in XX/XX/XXXX I was informed at that time, that their system only showed two ( 2 ) accounts for me. 
I am disappointed that I was misinformed at the detriment of my Credit Score being affected. I strongly feel that I should have been advised at that time that the card had been closed. As a matter of fact I should have been made of the pending clousure of the account. Which could have provided me an opportunity to curtail this dilemma. 

My main concern here is my CREDIT SCORE. I should not have to suffer this setback if a lending institution decided to close its doors to me. If it was the other way around I could understand. I was at a place where I didnt need to use it so, I DIDNT ; now I need it and its not AVAILABLE!!

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.

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 2018-10-15 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX   is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation