vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been steadily and on time, paying down my balance when I was suddenly hit with an interest charge of {$780.00} on XX/XX/2019. This on a balance of {$1400.00}. 
Up until this month, XX/XX/2019, my previous monthly interest charges would range in the $ 20- {$30.00} range.I scarcely use the card in the last 12 months and have committed to paying it completely off and closing the account. 
In addition to the additional {$780.00} fee, my balance has now been pushed over my assigned limit, so yet another fee of an " over limit '' charge of {$35.00} was added to my 'debt '. Coincidentally I'm sure, I am unable to download to file or even view these insane finance charges per usual with the easy to read pdf format, as I have always been able to do up until to this charge had been added. I have a paperless account. 
I have called their customer service and spoken with a representative " XXXX '', who stated the charges are accurate and will stay. So I must pay the amount or suffer the consequences. Please help me! 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 2019-02-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In mid-XXXX and again in mid-XXXX I used the official annual credit report phone number to order a free credit report from Equifax. I never received the free credit report or an explanation of why it wasnt delivered. Ive used this method for years and never had a problem. Can someone please tell me why Im not getting my free credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo is falsely reporting information to the three credit bureaus, XXXX, XXXX, and XXXX. They are reporting payments as late, when they are not. They are reporting this account as closed, when it is not. They are reporting this vehicle as a repossession, when I have custody of the vehicle and am currently making payments on this loan. They incorrectly charged this account off, 18 days after receiving the XXXX payment. They refer to the XXXX payment as a redemption payment, It is not. It was a reimbursement for impound fees that my daughter incurred. This payment needed to be made before XX/XX/XXXX, to avoid repossession status. It was made on XX/XX/XXXX. Wells Fargo is showing, incorrectly, on my account that I paid this payment on XX/XX/XXXX. 

Screen shots of this account has the amount that I paid incorrect, as well as the date. I am just a cosigner to this loan. They are adversely affecting my credit, while they are still receiving payments and this account is current. They have reported the XX/XX/XXXX payment as 30 days late. It is not. They had this account locked out until XX/XX/XXXX or XXXX, XXXX. I made the payment on XX/XX/XXXX. It posted XX/XX/XXXX. This particular payment, just a couple weeks ago showed as being made on time, on my credit report. Now it has been changed to 30 days late, which is incorrect. 

The account in question is listed in the documents that I will provide. I have included documents showing that I paid to have this vehicle towed to my residence on XX/XX/XXXX, as well as screenshots of the account. I currently have complaints or disputes open with XXXX, XXXX, XXXX, and The Ohio Attorney General.

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 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was overdrawn on my checking account and I deposited funds to cover yet still they will they will not release those funds even though I verified through the bank and the website that funds were cleared. They have no reason to hold this check. It is a corporate check. They are simply taking my money for themselves at this point and gaining interest on it as banks will do, procedure is all they can tell me. I have no income right now and that check would have made a huge difference in my life but Wells Fargo chose to ignore this fact. For purposes of my recon : check # XXXX has cleared through XXXX XXXX. XXXX also shows that the check has cleared and been paid. Somehow, Wells Fargo in this digital age has no clue. I find this hard to believe. My personal thought is they want to keep those funds, even if only for the 10 days they say is mandatory. Given their # of customers, it would add up to millions of money they are holding for themselves that they they should not be.

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 2019-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I tried to make arrangement to pay off the amount with company but was unable to so I asked on how to stop ACH so I can send payment in at a future time. I was told to send an email and it would stop. 
I sent an email to request to stop ACH on XX/XX/XXXX and on XX/XX/XXXX they with-drawled XXXX and I was also charged NSF XXXX. I spoke with XXXX and she said it was their error and I followed everything I needed to do. I then again emailed and called her 3 more times and each time I was getting the run around. On XX/XX/XXXX I was credited the NSF fee but not the original amount. I again sent an email asking me to send my bank statement which I did a week ago more runaround or delayed tactics. 

I could not pay my other bills which also cost me more NSF fees. Bottom line is that they took out money from my checking account illegally and admitted wrongdoing but has not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was scammed by being sent fraudulent checks through email that I would print out and deposit in my bank account. The first check was worth XXXX . The second check was worth XXXX . I was then told by a scammer claiming to be a XXXX  XXXX XXXX professor which is the university I attend to purchase 4 XXXX XXXX Cards, the first one worth XXXX , the second one worth XXXX $ and the third one worth XXXX $ and the fourth one worth XXXX $ which equals a total of XXXX . I would then take a picture of the codes on each and send them to the scammer. The first check I deposited got rejected which is how I found out it was fraudulent. The reason why I did all this in the first place was because I applied for on-campus jobs through an app called XXXX XXXX which is an app for students who are interested in having an on-campus job or doing an internship related to their major so I assumed this had something to do with one of the jobs I applied for especially given the fact that they were claiming to be one of  the professors at my university. 
I have attached the codes of all 4 of the XXXX XXXX Cards I purchased as well as the amounts of money that were deposited in my bank account via the fake checks, the money that was taken from my bank account because of the first fake check as well as the amount of money I purchased on the XXXX XXXX Cards.

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 2019-02-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.

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 2019-02-16 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) left a message regarding a debt that my brother and his girlfriend have. I am not a cosigner nor have anything to do with the loan. I don't know how they obtained my house number, the number is not even under my name nor is it connected to my brother in any way. I called and asked them to take my number out of the system and not to call again, a representative ( did not get his name, was a Male with a heavy XXXX accent ) assured me my number would be taken off. 
XXXX19 XXXX I get home and there is another message from XXXX XXXX I called again and explained this issue to Ms. XXXX, whose response was " mam, can you calm down? '' Mind you I wasn't yelling or anything, I was just frustrated that this company XXXX  their way into my house phone number and are taking liberties they shouldn't be taking. Instead of an apology or acceptance of their wrong doing, I got an attitude. Now, I don't know much about debt collection practices but I don't think that the company can XXXX their way into contact information of family members of their clients and contact them regarding a debt they have nothing to do with it. Also, by calling and leaving messages about debt collection they are dispersing information about overdue payments regarding their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX  for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX  report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.

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 2019-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
I inquired online to see if I qualified for a loan with their company using my car title as collateral, which I did but decided I didn't want risk my car so I never picked up the check to cash it. Now they are calling threatening to do all sorts or unsavory things to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. 
However, I keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX  but did not from XXXX or XXXX I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with Equifax for a XXXX XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

XXXX  on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2019 my wife and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with Barclay Bank for {$13000.00}. We are disputing that with Barclay now. Barclay said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person. The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is XXXX XXXX but the money transfer was to 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 monetary relief
Consumer complaint received 2019-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX but did not from Equifax or XXXX  I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to XXXX saying it was their fault and to please remove from my credit XXXX  removed it from XXXX but did not from XXXX or Experian I disputed it with both and they will not remove it. Traded vehicle XXXX disputed XX/XX/2019. This was not my fault and it should be removed.

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