vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 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: MS

Complaint narrative:
Filed a dispute with Experian XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX , XXXX falsely, fraudulently, and inaccurately reporting 2 accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Experian dispute results XX/XX/XXXX, and the problem has not been resolved Creditior ( data furnisher ) continues falsely, and fraudulently reporting inaccurate account information, altering its address on my Experian credit file ; in addition since dispute XX/XX/XXXX has added Fraudulent 24 month Payment History to my account XX/XX/XXXX and Date Reported XX/XX/XXXX which is false, fraudulent, and inaccurate account was included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Sent additional dispute communication letter to Experian XX/XX/XXXX via certified mail. Sent an Additional Dispute communication letter ( Final Notice ) XX/XX/XXXX via certified mail. Pulled my Experian credit report ( Annual Credit Report.com ) XX/XX/XXXX and issues still have not been resolved, and have not been corrected. Sent a Final Notice to creditor XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, IL XXXX as verified on my XXXX credit file ; in which creditor left dispute communication letter unclaimed ( deemed as notified ) will be identified further through CFPB Complaint ( Experian ). Consumer has requested that Experian remove all False, Fraudulent, and Inaccurate information from consumers credit file regarding both accounts with creditor XXXX XXXX XXXX  XXXX. Full and complete disputed items, and details can be found with all supporting documents which will be uploaded.

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 2019-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
My late father was involved with the Western Union law suite . I am the executor of his estate and the law suite say 's my father is entitled to {$1000.00} per the suit settlement. I have got no where with the attorneys that settled the suite so I have been trying to get Western Union to get this taken care of. I have sent them copies of the law suite and all the paper work showing I am the executor, my fathers death certificate and copy of settlement amount letter. Then they take weeks to respond to return emails then ask me for information I do not have. They are avoiding the law suite settlement payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello, On XXXX at XXXX XXXX I used my XXXX debit card at Bank of America ATM at XXXX XXXX XXXX XXXX XXXX, AZ to withdraw {$220.00} plus {$3.00} fee. The machine accepted my credit card and pin number and approved the money for withdrawal, At that time the machine made a bunch of noise like it was going to dispense the money but nothing came out the machine at all no money. The only thing I got was a receipt with the new balance, Bank of America had took my funds from my bank card but the machine did not pay me. I want my money returned to my card because I can not afford to lose {$220.00} and need my money returned asap. 

I filed a dispute with my card issuer XXXX and the dispute was denied by them, XXXX stated my receipt said I was paid at the ATM but I was never paid from ATM that is just what the receipt states which is not true at all, This has really been a big inconvenience with my money being in limbo between banks and There is no help from my card issuer XXXX and no help from bank of america. Your help will be greatly appreciated. 

I have attached my receipt in which looks like I was paid from this machine but never got any money at all from the ATM. 

Thank You,

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 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase liesto you initially first reference number is attached along with all documents support I'm telling the truth and they are cowardly being protected by you. Credit bureaus attached do not have Chase on my credit report and what card I have as well are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a phone call from the following number XXXX. This is the second time i received a call from this company that will not give me their name and state i owe a debt. Case # they have is XXXX. They claim i owe a debt from bank of america and they are coming to my work to serve me papers. Now i previously had a call from this company or similar stating the same thing. When asking for proof of debt, they only state i will receive it when I am served. They have my social, they are very rude, condescending, and threatening which is concerning. Now when i received the first call back in XX/XX/2019 I was so shaken up. I called Bank of america and they are unable to locate me owing them a debt and that this may be a scam. The company calling me states i owe {$800.00} and they are sueing for {$2000.00}. When mentioning to them i have never received notice of this and my call with bank of america they became upset and hung up on me. I have even checked my credit and there is no such amount showing. Please help.

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 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc.
State: IL

Complaint narrative:
Several of weeks ago I received a notice from Client Services Inc in reference to an alleged balance owed to XXXX in the amount of {$14000.00}. In accordance with the Fair Credit Reporting Act ( FCRA ), Please provide validation of this alleged account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
My mother came to live with me in XX/XX/XXXX. At that time she had one Credit Card that she used, it was her CC from Wells Fargo. In XX/XX/XXXX she had dental work done for a lot of money. In early of XX/XX/XXXX she fell, hit her XXXX, became XXXX XXXX and died in XX/XX/XXXX. Here is what happened next. Her accounts were hooked to mine as I held her Power of Attorney. She dies and Wells Fargo proceeds to apply her CC onto me. In XX/XX/XXXX, after receiving her Death Certificates I proceed to explain to the WF Card Service, Credit Bureau Dispute in XXXX XXXX, IA that this was not my debt, that yes the accounts were together but she paid her own bills and the accounts were together so that after she would die no probate would be ; this bill was being paid but she had fallen and died. I sent to them an original Death Certificate, showing that she had indeed fallen. After this first one here is what they did. They apply to my credit reporting as this : Charged off as Bad Debt. Profit and Loss Write Off. After two more letters asking them to remove completely it is still sitting on my report! 
This is not fair to me. They have written it off, now take it off my Credit Report. I have sent to them to the above address two more times asking them to do this to no Avail. Please can you help me.

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 2019-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
XX/XX/2019 I sent you a letter requesting that you provide me with the original documentation that bears my signature for my account, you then took the liberty to reply back with my Credit report claiming this account to be verified without sending requested document. As a consumer I have the right to request such documents and you have the responsibility to disclose this info to me. Please do not send me another letter refusing to investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: MD

Complaint narrative:
EQUIFAX IS RETALIATING AGAINST ME EVERY TIME I REPORT AN ISSUE TO THE CFPB THEY DO SOMETHING ELSE FRAUDULENT. THIS TIME THEY FAILED TO CORRECT MY SCORE AND ACKNOWLEDGE THE DELETIONS OF MY MORTGAGE COMPANY. THE MORTGAGE COMPANY STATED THEY INFORMED EQUIFAX IN XXXX. I ALSO OBTAINED AN INCREASE IN MY CREDIT. WHILE THE OTHER BUREAUS RAISED MY SCORE THEY DECREASED MY SCORE BY 40 POINTS.  THERE IS SOMETHING VERY FRAUDULENT GOING ON. THEY SEEM TO BE ATTACKING ME PERSONALLY. I WOULD LIKE AN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Contacted Equifax in reference to data breach and information on my report not being correct. I applied for an Assistant Manager position at a XXXX XXXX ask for XXXX and end up having to take a XXXX pay cut due to incorrect items being on my report that I had no knowledge of. I have a email from the Regional Director and HR explaining to me that I had to explain my situation and what happened with my credit therefore they couldnt do my asking price because of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In reviewing my checking account statement this month I was shocked to discover an outstanding loan ( which I never approved ) for which Ive been paying monthly interest for God knows how long. After innumerable futile calls to the bank, I went to a branch and talked to an officer, who told me it was a line of credit that got generated as a result of a {$2900.00} overdraft that occurred this XX/XX/XXXX. Instead of notifying me that I could pay the balance and liquidate the loan, the bank sneakily kept the line of credit outstanding, charging me 14 % interest per month. This is a bank that Ive maintained business and personal accounts with for hundreds of thousands of dollars for 30 years! If I hadnt noticed the line of credit had kicked in, they wouldve milked me for the loan until XX/XX/2035 or beyond! I immediately paid off the loan from my ample funds ( the overdraft was a one-time technical glitch due to a temporary cash flow issue ) and demanded to speak to an officer to get the interest charges reversed. Thats when I discovered that the bank officer I was talking to had zero flexibility for problem resolution ; she, like me on the phone the day before, was shunted from one department to another with no results. Finally, they offered me an opportunity to talk to a manager in a couple of days by phone, but that it it probably wouldnt do any good anyway. ( i.e. XXXX XXXX ) I think this is # Citibanks version of the XXXX XXXX scandal where accounts were opened on behalf of customers without their consent resulting in huge penalties for XXXX XXXX. It may be legal but its a scam designed to entrap unwary consumers, many of whom are poor. After all, how else get they generate big $ s on a checking account maintained by a customer who never overdrafts?

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 2019-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am leasing a XXXX XXXX XXXX from Santander consumer USA. The car had check engine light on when I signed the lease and the engine has never gone of. However, the problem is with the monthly payment. I understand I signed the lease and therefore, it became my responsibility. However, I believe the car was never worth the value of the payment I am making. I am paying {$300.00} monthly for 72 months. That amount is just unbelievable! I have called them multiple times to try to work on reducing the payment to allow me make the payment on time. The have always stuck to the fact that I signed the lease. I was not properly educated about the cost of the leasing and I had no experience on car leasing. I have done everything possible to try to make the payment but it keeps pulling me down on my financial obligations. I have to always have full coverage insurance that is also increasing the cost of my monthly payment. I believe this is a sort of scam that is continuously pulling inexperience lessee like me into financial difficulties. The interest rate is killing me. I believe I have not been treated fairly with respect to the pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet Navient is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 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: CA

Complaint narrative:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

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 2019-12-28 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 never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: CA

Complaint narrative:
I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

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 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank Corporation is charging me overdraft fees on debits that have not yet been posted and when I still had a positive balance in my account. When I questioned them as to why they were doing this, they seem to think its OK to look at debits not cleared or posted yet, ascertain I may become overdrawn and quickly hit me with an overdraft fee of {$36.00}. before the debit has ever been posted. There is something wrong with what they are doing. They has done this to me before, and seem to start hitting your account when you have XXXX or less in acts. In XXXX. I had {$330.00}. in my account. I had a debit of XXXX. My balance was {$280.00} but they listed it at XXXX. Then I spent {$68.00} and had a balance of XXXX. They said my balance was XXXX. I then had a debit of {$56.00}, which should leave me with {$150.00}, but instead the bank said I had a balance of $ XXXX. Unavailable funds of {$230.00} and started charging me overdraft fees of {$70.00}. How can they be allowed to do this? Hold money that has been in my account for weeks, and charge overdraft fees on purchases that have not even cleared yet?? Overdraft me because they are holding up.my money as unavailable? I understand you overdraft your account with a purchase, and you pay an overdraft fee. But I do NOT understand what US Bank is up to, holding your funds as unavailable even when they have been in your account for weeks, and then charging an overdraft fee because they are holding your funds? Something is wrong. They have No Right to charge an overdraft fee and overdraft me UNTIL the debit has cleared and I am overdrawn. I am withdrawing my finds and going to a new bank that is more transparent. Please look into these practices of holding funds and charging fees before anything has been posted.

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 2019-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Zales credit card just hit me with {$260.00} interest charge on my XX/XX/XXXX statement. 

I got a total of 3 different rings for them. The 1st time my husband order online in XX/XX/XXXXand when the ring came in it looked a lot smaller than it was online. So we returned it to our local Zales Outlet Store in XXXX, IL on XX/XX/XXXX. 

We then purchased the 2nd ring on XX/XX/XXXX and when I was offered the promotion I declined it because I use to work for XXXX XXXX and they use to finance for XXXX XXXX once the 18-24 month of promotion would end they would get hit with anywhere from $ XXXX {$3000.00} worth of interest on their appliance so I rather pay the interest. 

On XX/XX/XXXX we purchased the 3rd and final ring we bought. The young lady was suppose to do an exchange, however she stated that she had to do a return then buy the new ring. After she returned she was having some issues with getting me the new ring because Zales kept declining my card. Finally they stated they needed to speak with me when the young lady called the credit department. After doing some verification they finally let the sale go through. 

So if I went from paying interest to a promotion I was unaware of it until yesterday. Well I get a notice from one of my credit monitoring on yesterday that stated that one of my cards are over the limits. It stated Zales. Please find the statements attached. It shows that I was paying interest on the 2nd purchase but changed on the 3rd purchase  unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: VA

Complaint narrative:
I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX  with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through transunion several times.

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 2019-12-28 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: VA

Complaint narrative:
I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through XXXX several times.

Company response to consumer: Closed with explanation