vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank states that it will not receive a written letter of revocation of authorization of electronic debits. I have notified the company making the withdrawals. I do not need to stop an individual payment, but rather to notify Huntington Bank that I have already revoked authorization with the company but want the bank also on notice of such and that the company is not authorized to make any future electronic transfers. The branch office says it will not receive this letter. I can not find any address, etc., on line to send this letter to. I have called the Huntington 's XXXX number for customer service, and no one can give me a name, address, telephone number, etc. I was attempting to use your agency 's form for the letter of revocation to send to the bank. It appears that Huntington does not honor such revocations, and I find it very problematic that the bank in which I deposit my funds refuses to stop electronically transferring funds upon my instruction and has no method by which I can give this instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: PA

Complaint narrative:
I have made 3 payments of XXXX, the loan amount was XXXX. I received a bank fee of XXXX because it overdrew my account. The amount that i Will have paid back is over XXXX of I pay all of the payments. I am a single mother of XXXX kids with XXXX in college. I should have never taken out this loan.

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 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.

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 2017-10-20 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: CA

Complaint narrative:
On XXXX/XXXX/17 after receiving my recent statement, I realized that there were fraudulent charges on my card, after several calls to talk with the current person and have my card closed I was also notified that a " person '' not me had also tried to call them earlier that same day to get more access to my card. This was denied since they did not pass security checks but I was NOT notified of this and when I asked why was told that there was a " glitch '' in system. No other explanation or apology. After several painstaking hours just to get them to close my account ( It should NOT take that long ), I asked to have management call me to discuss the matter as I was not comfortable EVER using a citi card again. It is now 3 days later and NO call but of course they already sent me a new card since their priority is not customer safety but making more money. I want an explanation as to how easily this could happen and I also did not get assurance that these charges are not going to be taken off my account.

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 2017-10-20 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: NC

Complaint narrative:
On XXXX/XXXX/17 There were fraudulent and unauthorized charges associated with my Bank of America, Debit / Checking Account. Upon initiating a dispute for these charges, a charge was omitted in the dispute process on a recorded line with a bank of america claim specialist which is complete negligence on Bank of America 's behalf. The charge being for {$14.00} XXXX in XXXX, GA. This charge being omitted was a factor and a reason in the eventual decision of the claim being denied. I have asked several times for information from the merchant regarding how my information was used and proof of my identity in the matter. Neither have which been submitted in a timely manner. My bank account is now at a negative balance due to this illegitimate and unethical situation.

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 2017-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I just discovered this yesterday : My credit report shows a MI address ; lifelong MA resident. Student loans from XXXX that I was trying to make good on through the DOE, were transferred to service provider XXXX XXXX. They made zero successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
MI address was garnered by XXXX XXXX via XXXX skip tracing XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my car loan financial intitution, XXXX account and still learning more ... 
XXXX is a function of transunion. The address was added to my transunion credit report XXXX/XXXX/XXXX by DOE on behalf of XXXX XXXX collected from XXXX, a division of transunion credit union. 

Transunion ( XXXX ) gave the information to Transunion. They act like I am talking about XXXX XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the DOE. It was until they changed it ... ..XXXX admitted to the practice of providing information that may not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be XXXX XXXX in this case. 

The scam is this : the student loan contracted by DOE makes a singular attempt to reach the owner of newly acquired loans ( occurred to me twice when I moved ). they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
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 2017-10-20 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: TX

Complaint narrative:
XXXX did a hard inquiry on XXXX XXXX, XXXX. I never talked to or requested information from XXXX. No contact information has been reported by this creditor. I need this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past three months I have been attempting to have an item that was incorrectly placed on my credit file removed. After several unsuccessful attempts with the three major credit bureaus I contacted the Consumer Financial Projection Bureau ( CFPB ) for assistance and received some assistance and relief. XXXX responded to the CFPB and claimed to have contacted all three major credit bureaus to have the error removed from my account. XXXX and XXXX promptly removed the error and updated my credit file. However, EQUIFAX is the only credit bureau refusing to remove the item from my credit file. According to EQUIFAX, they have not received information from XXXX to remove the item and will not reinvestigate the error or contact XXXX. I am providing proof from correspondence I received from XXXX as well as correspondence sent to CFPB requesting that the error of collection be removed from my credit file. Today I contacted XXXX and EQUIFAX to no avail. XXXX indicated that they have already contacted the three credit bureaus and EQUIFAX has stated that they can not remove the item without contact from XXXX ; however XXXX stated they did contact them and ca n't control the removal filed by EQUIFAX. 

I can not get into my online profile because EQUIFAX is not allowing me to even after I have answered all of the identity questions several different ways on several different occasions. I can not get the help I need via phone and when asked to help access my file online I am told they can not fix it. I am now locked out of my own profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Meade & Associates, Inc.
State: KY

Complaint narrative:
I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. 

The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. 

The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact XXXX to get it removed. XXXX informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am a customer associated with the Wells Fargo Bank. I recently became a member of XXXX XXXXs and after submitting my information I was going to receive currency from said app. However, it says that Wells Fargo is a supporter of the application but I have yet to receive anything due to my bank not accepting. I would like to receive the currency to continue being a member of both parties. 
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 2017-10-20 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Talked with a Chase representative in XXXX of 2017 about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my XXXX Credit Report after 10 years. The Chase rep. assured me at that time the matter would be investigated and removed. In XXXX of 2017 I received a latter from Chase dated XXXX XXXX, 2017 stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) to remove the reference to Chapter XXXX bankruptcy on your credit profile. '' However, XXXX has failed to comply. I have certainly spoken with both a XXXX Rep. and Chase rep. on XX/20/2017 about this matter. Chase instructed me to take this matter up with XXXX and XXXX has instructed me to take this up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: FL

Complaint narrative:
On my TransUnion report there is a collector by the name of XXXX XXXX XXXX..this particular debt was previously disputed and removed as a result of fraud..it has since been sold and bought by a different collection agency ( XXXX XXXX XXXX ) ..I am requesting that it is removed from my report as it was previously done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 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: TX

Complaint narrative:
experian, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

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 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX, 2017 I attempted to get my credit report on line from XXXX XXXX. On their website they do not have any forms to get credit report following a denial of credit. I tried using the free annual credit report forms and it came back that I had received my annual free credit report already.

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 2017-10-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

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 2017-10-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: CO

Complaint narrative:
Equifax has some kinda of block on my credit file. I sign in to equifax XXXX my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I dont have a credit file. XXXX XXXX worked for me only on 1 day XX/XX/2017 and one day only. After that equifax placed some kinda of block preventing my credit report from displaying.

Company response to consumer: Closed with explanation