vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX  and I am not working right now.

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 2019-02-19 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: IN

Complaint narrative:
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website 3 XX/XX/XXXX Money Order # XXXX 4 XX/XX/XXXX Money Order # XXXX 5 XX/XX/XXXX Money Order # XXXX 6 XX/XX/XXXX Money Order # XXXX 7 XX/XX/XXXX Money Order # XXXX 8 XX/XX/XXXX Money Order # XXXX 9 XX/XX/XXXX Money Order # XXXX 10 XX/XX/XXXX Money Order # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sunshine State Credit
State: FL

Complaint narrative:
Currently, I am being sued for XXXX dollars which have now gone up to XXXX. Sunshine state credit has pulled credit report that shows the right information twice and sent lawyer wrong addresses to be served. 

I feel I should not have to pay the remainder of the loan because I have never completed my service. I am still trying to get my XXXX completed and now I have to pay for my account twice. XXXX XXXX XXXX, the company that the loan was given to, sold the company without leaving a balance. I have asked their attorney in XX/XX/XXXX2018 when I was first contacted and XX/XX/XXXX2018. I've attempted to email the lawyer as well on XX/XX/XXXX asking for the client to work with me. 

The problem is that the attorney has my bank account and my son 's bank account frozen. Florida law states garnishments can be no more than 30 % of income. I had asked the lawyer to remove the garnishment on my bank account and he refused. I have a child to take care of.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In the process of attempting to purchase a house my mortgage company attempted to receive my credit score from Equifax. They were unable to obtain it, due to an incorrect reporting of another individual using my social security number. I contacted them and attempted to fix this issue and did as I was instructed : submit a copy of my drivers license and social security card by fax as well as a cover letter stating why i was submitting these documents, and to whom they were being sent to. I submitted these documents Monday XX/XX/11 and was told it would take 3-5 business days. I then contacted them on the 3rd, 4th and 5th business days only to be told they do not have the documents and to resubmit them on those days. I have resubmitted these documents by fax multiple times and have confirmations of receipt by the number I have been given by the representatives. This process is greatly effecting my ability to purchase a house and I have done everything right. So Im just concerned about where my I formation is going and why this company can not fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: GA

Complaint narrative:
Ive sent several notices to this company regarding the inaccuracy of this account. I do not owe this debt and Ive disputed it with the credit bureaus as well as this company. They sent a statement with a different balance than what is reporting on my credit report which confuses me even more. Ive also noticed that on my report it showed a payment made way after the account was placed on my report, that is false! I do not owe this company this debt and would like to stop being contacted regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. 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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I paid off my Chase credit card in full and early for the third time in the four months I've had the card. When I paid the card off, the CS rep on the phone gave me a temporary credit increase so that I could use my card while the funds cleared. I paid {$3000.00}. I went to use my card on XX/XX/2019, and it was declined even though my online app said I had over {$2000.00} credit available. The purchase that was declined was a {$21.00} charge. I thought it might be the place where I was trying to use it, so I tried again with a charge a little over $ XXXX..again declined. I called XX/XX/2019, and the automated system said my card was declined due to insufficient funds, so I talked to another rep. She said Chase was holding my money, and I told her my XXXX XXXX XXXX account was drawn for the {$3000.00} on XX/XX/2019 and that the last rep I spoke with had given me a temporary increase so that this wouldn't happen. She said that was true, but the temporary time period ended before they released the funds. To me, this is theft, since they are drawing interest on my money that I can no longer access nor use what I paid for ... credit on my Chase credit card. I also missed out on airline points I could have accumulated. This is the second time this has happened to me.I expect Chase to be treated as any criminal who steals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

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 2019-02-19 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: Texas Guaranteed
State: TX

Complaint narrative:
Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. 

Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I was in deferment since I was attending classes as a XXXX XXXX XXXX untill XX/XX/XXXX when the deferment period of the loan ran out with AES. Since I was still attending classes I did not receive any messages about this since I had no idea to log into the account. They finally reached me in mid XX/XX/XXXX and told me the situation and that they would mail and email me the form to fill out. Since my printer was broken I waited for the mailed copy but it never arrived. I printed it out and mailed it mid XX/XX/XXXX and they received it XX/XX/XXXX. XX/XX/XXXX they defaulted the loan to XXXX  XXXX and informed me I needed to speak to them. I spoke to XXXX and they kept saying I needed to speak to AES about the loan until someone at XXXX said they will speak to their manager who said they would contact AES. I never heard back from XXXX or received a voicemail from a number identifying them as XXXX. Starting in late XXXX early XX/XX/XXXX started receiving calls from debt collectors on the loans since it went to two different companies, one loan for XXXX and the other one for XXXX. Called AES and they say their is nothing they can do since it was a private loan and that the form I filled out from the message they sent was the wrong one. Called XXXX as well and they won't do anything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On about XXXX XXXX, 2019 I, Mr. XXXX XXXX XXXXcaught an ad with Cabela '' s out door products in applying for a credit card with Capittal One bank. With in seconds I, XXXX XXXX was rejected.At this time I bank with Capital One savings account.It 's not fair that a bank hold your savings, but won't help establish a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XX/XX/2018, we switched insurance carriers to XXXX for our homeowner 's policy., making sure to buy the same coverage that we previously had with XXXX . In XX/XX/XXXX, we received a letter from Wells Fargo stating that we did not have coverage for wind damage. Shocked, we called XXXX and were assured we did indeed have coverage. We then called Wells Fargo, staying on the line over an hour, and were told that the issue was settled. In XX/XX/XXXX, we received another letter -- same issue. We immediately called and again stayed on the line for almost two hours, this time while the Wells Fargo rep called XXXX. When she finally returned, she assured us that this time the problem had been dealt with. The next letter we received from Wells Fargo informed us that since we had not purchased wind coverage, they were buying a policy for us -- for {$1300.00}, {$500.00} more than the policy we bought from XXXX. Once again, we called, were on the line over two hours, and found out that Wells Fargo needed a declaration page from XXXX. It is a mystery to us why that fact had not been revealed previously. Meanwhile, Wells Fargo went ahead and took {$1300.00} out of our escrow account for the policy we did not need. The failure of Wells Fargo to correct an error they made, one that they assured us had been corrected three times, is unacceptable. We are older people with health issues, and this has caused us a great deal of stress and worry. We read over complaints on your web site and found others have had the same problem with Wells Fargo, so we can't help but wonder if this is a new scam cooked up to defraud consumers, similar to the credit card scam in recent years. We have advanced college degrees and were able to navigate the extremely and unnecessarily complex process to have this problem fixed. Many consumers would not have resources to do so. We would like assurance that, going forward, Wells Fargo will correct their errors quickly and with less time and effort required by their customers.

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 2019-02-19 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: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

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 2019-02-19 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: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was looking for somebody to take care of me I had my contact information on a dating website for the public to see. I was contacted by somebody claiming to be somebody else unbeknownst to me, they said they would gladly help me out on XX/XX/XXXX. They provided me with their full name, account number, and access password for their XXXX XXXX  account XX/XX/XXXX. I saved all the text messages between me and the other party because I had a feeling it was a little too good to be true but I was also desperate for cash. After I put in the information and transfer the funds to my credit card to make a full payment I contacted the credit card company and told them that I didn't know if it was fraudulent but I wanted to be sure that I was okay and they told me I was they told me my account was safe. After the funds had cleared the other party started demanding that I buy gift cards a lot of it and send him the information. I declined and cut off communication with him XX/XX/XXXX. The payment was then reversed a couple of days later. My credit limit was actually increased on an unrelated credit card within the same bank and then was closed without my knowledge until I try using it again to which would always come back decline. After calling both credit card companies I was told to my accounts were closed because a reverse payment from an account that was unrecognized they assumed it to be fraudulent or scam activity and since I had actually made a payment it was my fault and they closed my accounts. I made sure not to use the money that was paid to me from the XXXX account but they advised me that weather I use the money or not I would be responsible no matter what. I asked if there was a way I could appeal they said their decision is final I told them it was an honest mistake and I had no intention of following through with a scam they said that doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: ID Analytics, Inc.
State: GA

Complaint narrative:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX  ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
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