vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Step 1 : What is this complaint about? 
Step 2 : What type of problem are you having?

Step 3 : What happened?

Step 4 : What company is this complaint about?

Step 5 : Who are the people involved? 

1-Balance Discrepancy : Suspicious Activity/Tampering 2-The amount of {$20.00} has appeared as overage and {$40.00} disappeared as shortage on my account, without explanation and no resolution ( never shows on statements, just through the automated system ). 
3-On XX/XX/XXXX, I noticed and reported a {$20.00} overage on my account and did a requested follow-up on XX/XX/XXXX. The representative informed me to look for an Original Bank Entry ( OBE ) on my statement if the bank found its error ( problem not corrected ). On XX/XX/XXXX, I noticed and reported a {$40.00} shortage on my account ( The original {$20.00} overage plus a recent {$40.00} shortage. Note : I never counted the {$20.00} overage as part of my balance ). My case was forwarded to the executive branch ( XXXX ) on XX/XX/XXXX, according to XXXX XXXX ( case # XXXX ). I missed the executive branch call on XX/XX/XXXX ( voice message left XXXX ). 
4-Wells Fargo 5-On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX Virginia   XXXX ), XXXX XXXX ( XXXX Customer Care XXXX ). 
Message : This issue is very troubling given Wells Fargos criminal history of wrong dealings and its recent {$1.00} XXXX fined by XXXX : https : XXXX. I feel my money is not safe with Wells Fargo and that they could care less about the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-13 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
The company, XXXX XXXX XXXX XXXX XXXX XXXX is collecting money on behalf of the Georgia Student Finance Authority. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-13 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Auto received payments from my insurer XXXX and GAP for balance on Total Vehicle Loss. I made monthly payments until the claim was resolved. Sometime after final payment. Chase demanded an additional {$59.00} to cover payoff. This amount was reported to the credit bureaus resulting in a dramatic scoring drop. This has effected my ability to get my home refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello I mailed a notarized dispute letter and it was certified disputing unverifiable items on my report. They received the letter on XX/XX/XXXX and they have failed to respond. Today is XX/XX/XXXX. It should have been post marked by XX/XX/XXXX. By law they are required to remove items since they failed to completed the investigation and or provide requested/required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: Paypal Holdings, Inc
State: IA

Complaint narrative:
PayPal is trying to charge me for purchases I made with my XXXX XXXX account, 2 purchases totaled {$1000.00} and I owe my XXXX XXXX a balance of approximately {$530.00} after XX/XX/XXXX, this is extortion. I have documents and bank statements showing my payments to XXXX XXXX, PayPal balance is the company my complaints are about, Im on XXXX and Im having health issues over this because of the stress, theres no talking to PAYPAL as Ive got records of over 30 calls to them and have Also sent my bank statements. This is extortion and fraud on PAYPALs behalf, I took my XXXX XXXX card off the PAYPAL site after they tried to collect money from one of those purchases I paid off 2 days before they sent me an email saying I owe them. They also stole my {$30.00} credit I received from PAYPAL credit because they took a payment out of my bank 2 weeks before it was due and deducted it from the {$1000.00}, so now theyre saying I owe them {$1000.00}. I have since closed my PayPal credit account and the Paypal balance people wont take my bank or debit card off their site until I pay them, those are 2 charges {$940.00} & {$86.00}, the {$86.00} was paid in full on XX/XX/XXXX and I have a balance of approximately {$530.00} on the other purchase, both the charges on on my XXXX XXXX account so why is Paypal trying to extort this money from me also? You need to look into this because its fraud on what Paypal balance is doing. I dont have my card any longer but I put a case # instead of where the card number was supposed to be so you should be able to find it by that, its their Paypal Balance account, and they will no longer let me log in because they said I have an outstanding debt ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 2 open items on the credit report : An auto loan of {$6700.00}. Home mortgage loan of {$300000.00}. TransUnion should delete any remaining items from the reports as they are false/defamatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA

Complaint narrative:
XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. 
What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. 

I did receive a refund cheque for overpayment. 

However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. 

I sent a letter by courier requesting the account be closed. To date this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems is showing that I opened an account with them. I have never had any dealings with company, no knowledge of the account with them and never authorized any charges or opened an account with them. When I disputed this with The credit bureau this company changed dates to look like I opened an account with them in XX/XX/2019. They keep updating their dates to make it seem like a current account to negatively impact my credit. I dont know anything about this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Right now I'm in mediation ... with Wells Fargo. waiting for a confirmation letter from the on phone meeting with Wells Fargo mediator. We ended with, I should call XXXX and ask for another meditation form for home inprovement department. Starting to feel like Wells Fargo is blowing wind. I'm waiting for a summary from my retirement 401k so I can send Wells Fargo proof positive I had the money and they took it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: AES/PHEAA
State: DC

Complaint narrative:
I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
i ahve been a good customer with us bank XXXX for many years. way back i earned a XXXX dollar reward for XXXX. i noticed it had not been credited i asked about it and was given some one size fits all script about where the reward was. i asked why i had not gotten it.i was told a supervisor would call me about getting the XXXX dollars some other way this never happened. i XXXX and just get the run around no one responds. please issue the XXXX dollars i am owed it as per the card terms despite XXXX being out of business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
On XX/XX/XXXX Halsted Financial sent me a letter stating that I owe them money, and they offered a payment arrangement. I dont owe them any money. I dont know who they are, and they have not responded to my letter to validate this debt. I requested debt validation in writing and I was ignored. I do not want this debt to be placed on my credit report. It is not mine, I dont know what it is, and i do not want any false debt on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: DC

Complaint narrative:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A collection for XXXX XXXX XXXX XXXX was disputed and erased from my credit report after several attempts and now the collection has been put back on my credit report again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 Report/Complaint/Dispute To : CFPB Re : ( XXXX ) XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, TX XXXX Dear Sir or Madam, Account number XXXX On XX/XX/2019 I entered into a contractual agreement with the above company ( s ) for a loan in the amount of {$3000.00} dollars. On XX/XX/2019 the company reported the transaction to XXXX as a new account. Each subsequent month to date the company reported the same transaction to Experian, and XXXX as a new account. As a result my credit rating has reduced dramatically causing much Financial HARDSHIP and PUNITIVE injury! 

I am filing this complaint because of the above dispute with the above company of which I tried to resolve without success. Verification of my complaint are attached. 

Yours truly, XXXX XXXX CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My credit card payment was due XX/XX/XXXX. I am enrolled in auto pay for the full statement balance so as to incur no finance charges. On XX/XX/XXXXI changed my future auto pay dates to be later in the month. Since I made this change the day before my payment was to be processed I assumed this change would be effective for my next statement cycle and my XX/XX/XXXX payment would be processed as scheduled. The information on the AMEX site did not give any indication my payment would be canceled. In fact, the website instructs customers to make changes by XX/XX/XXXXor two days prior, presumably so they are effective for the current bill. Since I made my changes after this date, I thought my scheduled payment would be processed. When I reviewed my account on XX/XX/XXXXI noticed my payment was not processed and I had a late fee. I disputed this fee and got the fee reversed and also made a payment for the full balance as enumerated on the AMEX site. XX/XX/XXXXI noticed an interest charge of {$60.00} on my account. AMEX notified me it was because my payment was late. I explained the situation above. They even told me that those changes go into effect for the next cycle ( why then, was my scheduled payment canceled? ). They refused to reverse the charge or credit me the full amount. They also indicated that an additional interest charge would appear on my next statement, but could not provide the amount. I feel these are improper and unethical charges since a reasonable customer would assume, based on the information provided by AMEX at the time the change was made, that the scheduled payment would be processed and the customer would not be required to take any further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Spoke with XXXX at the Synchrony Bank customer service XX/XX/XXXX At About XXXX XXXX  and asked why I had a returned payment for an old bank account I had removed from my auto pay. She stated she did not have access to that information and transferred me to a supervisor named XXXX. 

I asked XXXX XX/XX/XXXX at about XXXX XXXX the same question to why funds were pulled from an account no longer associated with payments. She confirmed bank information was changed XX/XX/XXXX to a different account. XX/XX/XXXX a {$55.00} payment was attempted from my old XXXX XXXX account I had removed as a payment method. 

XXXX stated that she could not provide me the account they had attempted to pull a payment from on XX/XX/XXXX. 

This is a case of a blatant fraudulent transaction without my authorization and contrary to what I had requested more than 2 weeks prior to this payment. 

Employees of Synchrony Bank are being paid to cover up this fraudulent activity or choose to simply lie and cover up fraudulent transactions willingly.

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