vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
XX/XX/20 Attempted to make a targeted payment to one specific loan online. Have done this multiple times before. Was unable to complete my transaction, Navient system only let me pay to full principle and interest. 

Called Navient : Found our that my paid ahead loan was on hold until the payments caught up and that I could not pay that loan. After a very confusing and untrusting conversation, I am unclear of my options and feel my account/repayment has been compromised. This is not the first time something like this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On Sunday XX/XX/2020 I opened a Suntrust account and deposited {$300.00} dollars over the course of the following two days. On Thursday XX/XX/2020 I was unable to access my account. Upon calling customer service twice. Both times it was stated that my account was being closed and all remaining funds will be mailed after the investigation has concluded. On Friday XX/XX/2020 my employer deposited part of my paycheck into this account that should have been closed. Upon calling customer service again. They would not let me access my money and kept stating policy over and over again. This is unacceptable. There is more than {$700.00} in that account that I can't use until they conclude their investigation and mail my money if they even do.

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 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
Northstar calls me every day from this number - XXXX XXXX XXXX - trying to collect debts from someone who I do not know/does n't live at my address. I have no debts of any kind. I have tried to tell them not to call b/c they have the wrong number, but they hung up on me. This have been happening every day since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
CHASE AUTO XXXX AND XXXX XXXX KEEPS CALLING MY NO.XXXX, 11 CALLS FROM Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Fraudulent charges not taken off the card after i followed all protocol citi customer service has blocked issued and was suppose to take them off of my card and all XXXX dollar return fees are still being XXXX  and my credit report is still not fixed.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: IL

Complaint narrative:
My LexisNexis motor vehicle records are not correct. My driving record is clean and I have a Certified State of Illinois report to prove it. I have called LexisNexis numerous times to have this information removed from my file. They tell me they are filing a dispute but nothing ever comes of it. This is old in-accurate information that should be expunged or vacated from my file. Please feel free to fine them for the blatant attitude they display.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Coast Acceptance Corporation
State: CA

Complaint narrative:
Coast Acceptance Company continues to call, sometimes under a restricted phone number so I can't see who it is. Continues to call me at work even after demanding they don't because I'm not allowed to take calls at work. Representatives threaten to repossess my vehicle. Under the contract they can't do so until it is 30 days late, which it is not, nor has ever been 30 days late. 
Company calls almost daily, and multiple times a day. Leaving voicemails each time.

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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I've disputed many things on XXXX XXXX. I KNOW FOR SURE that one last thing on my credit reports is outdated and they keep updating the " open date '' so that it doesn't expire. Why? I have no idea? Anyways, the debt is very old. Please look into this for me. I'm a Vet.

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 2020-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: CO

Complaint narrative:
Looking into this, a XXXX XXXX XXXX account ending in XXXX is a charge account, thus reflecting a balance of {$190.00} opened sometime around XX/XX/2019 as the creditor as XXXX at phone number ( XXXX ) XXXX this inquiry was submitted and the issue now is it is reflecting on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I saw that my account was overdrawn. I deposited {$100.00} the same day at XXXX. 
Today is XX/XX/2020. I woke up today to see an overdraft for the amount of {$52.00}. This includes an overdraft paid fee of {$36.00}. 
There should not be an overdraft fee. I covered the amount yesterday. Besides, the fee is added because a {$20.00} charge came out last night. I am intending on covering that amount today {$20.00}. There should not be an overdraft fee if I am able to correct it today. I have my receipt. The bank is not being cooperative. I also suspect this has happened multiple times before but I was unable to prove it. The numbers change overnight frequently on the app ( by numbers I mean dates and times of deposits, withdrawals, and overdrafts ). I have requested an audit of my account, but have been refused. I aslo receive my paycheck through direct deposit. They hold my check for 3 days before making the funds available, incurring overdrafts. They will not give me a clear explanation of this process.

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 2020-01-10 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: DISCOVER BANK
State: SC

Complaint narrative:
I was sent a bill from Discover Bank to pay. I sent them an AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM letter. 
Discover has NOT responded and Discover is well-aware that silence is acquiescence.

Discover does NOT have a contract with me.

Discover did NOT provide the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Discover is reporting their fraudulent/unverified account to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened a Suntrust account online. 5 days later I funded the account with a wire transfer for {$48000.00} that cleared my new Suntrust account on XX/XX/2020. 

I went to the bank, withdrew around {$8000.00} in cash and instructed a wire transfer for {$30000.00} be sent to my XXXX account which would have left around {$10000.00} in the Suntrust account. 

The next morning I woke up and checked my XXXX account and saw the funds were not in the account. So I attempted to log into my Suntrust app to see why the funds werent sent. I couldnt log into the app and receive a notification that said Your Suntrust access has been restricted call XXXX. 

I called the number and was informed by a representative Suntrust Bank does not want my business and I will receive a letter in the mail in 7-10 days with my check. 

This is so illegal. If their system allowed me to deposit my funds, they can not hold my money. As a result I have lost business and my credit rating is in a negative dive as a result of late bill payments and bounced checks.

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 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX  and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to immune system is depleted and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I bank with BB & T and there were three unauthorized charges on my account that were clearly not me. Along with that came over XXXX dollars in obnoxious fees. Now I wasnt able to pay my power bill which is horrible because I have XXXX kids living with me. To my surprise they denied the claim, because I'm just a number and they clearly dont care about their clients.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again and the message machine said " I reached them outside of their business hours of XXXX, Mon thru Fri PST. It was XXXX PST when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchased two rings from XXXX XXXX. I wish I would never have walked into the store. First, the sales associate sold me on the credit card. Which was a perfect idea. She did so by telling me that I would get a promotional credit and that I could use 6 months at no interest, but i needed to still make payments. I signed up and was approved. 

I told her that my address had changed and the one on my drivers license was incorrect. She still put my old address in there, causing the statement to be lost. I never received it or the card. But I was charged late fees and interest. 

I called and a young lady said she would take care of it. I saw credit for the interest but never for the late fee. I had to contact them again for the credit of the late fee, which was finally processed. 

Then i received a letter in the mail saying i didn't qualify for the promotion which I was told i did so they REBILLED me the interest they should have never charged me to begin with!!!!! 

I've paid the account off and I want credit for all of the late fees and interest that i was billed. 

I have many other accounts through this bank and now I'm contemplating closing all of them because I was lied to and they refuse to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine

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 2020-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to XXXX XXXX XXXX XXXX  and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
I called the company to try and get more information about the debt because I felt that this debt had been paid through a Federal Student Loan. The account manager, XXXX XXXX, felt differently. She was very hostile, raising her voice and insisting that she was not removing it from my credit report. I advised her I made the dispute through XXXX XXXX because of this reason and she flew off the handle. I asked her to not be so hostile, that it wasnt necessary and she insisted that she wasnt. However, when she continued to accuse me of trying to not pay the debt and I kept trying to explain that, I am just trying to get more information, she agreed that now she is getting hostile because she doesnt need to hear me say it one more time. I told her, at XXXX months XXXX, I dont need to be treated this way or be yelled at in such manner and she continued to tell me she wasnt going to sit on the phone because I am XXXX and she doesnt want anything to happen because of her. Overall, she said shed send me a letter from the school certifying the debt, which if she had been kinder and more forward about that from the start, it would have been what I was asking for. I dont think this behaviour is acceptable or productive.

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