vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm contacting your company again because I just checked my credit report and now Equifax is also displaying fraudulent account balances to lower my credit score. Equifax is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX   XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX  balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX   which these accounts are fraud and I want them removed from my credit report at one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I'm contacting your company again because I just checked my credit report and now XXXX is also displaying fraudulent account balances to lower my credit score. XXXX   is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX which these accounts are fraud and I want them removed from my credit report at one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have XXXX XXXX, so I check my credit frequently just to make sure nothing is going on that shouldn't be. I was in college for years, I have several loans. For about the last year, maybe a little longer, Navient is taking whole loans off my credit, and putting them right back on the next month. It will be fine for a month, then they do it again. My score is effected when they do this nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3  cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3   bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: NY

Complaint narrative:
this information that has been reported to my credit report is fraudulent, and I would like it to be immediately removed and blocked from my credit report because it is causing me a lot of health issues.

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 2018-06-16 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: MO

Complaint narrative:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.

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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I got a letter from XXXX XXXX, XXXX for a debt owed to XXXX in the amount of {$440.00}. The date on this letter say XX/XX/2018. They said that they verified it but I have no idea what they are talking about and if I did, what they provided wasnt proof of verification.

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 2018-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX is refusing to close our XXXX  account. Weve submitted a close account form and asked for a refund over a month ago. Service fees are now being charged. On XX/XX/18 I called customer service and they put me on hold and then hung up on me and did not close my account. Ive used every option I can think of but they continue to charge service fees and not refund the extra amount or close the account as submitted to them in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 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: MO

Complaint narrative:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: MO

Complaint narrative:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.

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 2018-06-16 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX  which they sent to discover and still did not change the late times on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I do not owe Diversified Consultants. Ive never discussed business with them and no contracts were signed.The account that they are referring to was a result in identity theft and has been resolved. I have hired an attorney to peruse will legal matters if Diversified Consultants continue to report false information to the credit bureaus. Ive attached proof that this account was deleted. This acount has been flagged for fraud. Please remove all inaccurate, false information from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
From my XX/XX/XXXX to XX/XX/XXXX statement, my excess payment was applied toward a promotional balance, which has a 0 % APR instead of my regular purchase balance, which has a 17.40 % APR. In fact, my regular purchase balance went up from {$2400.00} to {$2900.00}, while my promotional balance went down from {$9600.00} to {$7800.00}. I spoke to a XXXX with account executives at USAA on XX/XX/18 and he stated that this was merely because of new purchases, which still makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent money through Paypal on XX/XX/2018 at XXXX. Later that day they said they are reviewing it and could take 72hrs. Its now been 4 days and counting, nothing has been released, the {$13000.00} has been out of my account since XX/XX/XXXX and no one answers my emails nor do they have an answer as to why my money is not available to the recipient or at least refunding my money. 

I even had a PayPal concierge send me an email stating it would be released in XX/XX/XXXX by XXXX. That too never happened. 


They said email XXXX they will respond. Its been 4 days now and no once has at least acknowledged one of my 5 emails I have sent. 

PayPal Transaction ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Hello, I don't have a complaint, but more of a concern. I would like you to investigate the credit lending practices of a company by the name of One Main financial services. The reason I have concern is because they are mainly in minority neighborhoods and are consider credit rebuilding and low credit score loan company.

I applied for a personal loan after bankruptcy, ok they pride their business on putting your car up as collateral which can be fair if you have one to use. However, in my case my car is not paid off so they next alternative was a co signer.

I secured a co signer, the co signer had to co sign and use their car as collateral along with a 31 % interest rate whereas we both have decent scores.

I was told it was due to low scores which after checking the scores was contradictory to what we were told I would guess to add a higher interest rate.

If this is what they are doing to people of color in order to grant them credit, don't seem to be common practice and actually a legal financial scam to make a lot of money.

I'm requesting their lending practices be investigated in their personal loan lending 's.

Thank you I hope to refinance my loan soon, and leave this company due to unfair practices of using a co signer and her car for collateral was extreme, if it had been one or another it would have been more reasonable but both and my signature was over the top.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 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: IL

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Rubin & Rothman, LLC
State: NY

Complaint narrative:
The Petitioner XXXX XXXX XXXX  hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.

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 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018 2 unauthorized charges of {$100.00} were made at a XXXX gas station in XXXX Georgia. I have filed a claim and have not yet been issued a temporary credit 22 hours after filing the initial claim. I was advised by a chase representative that I should receive a credit within 12 hours after submitting the claim. I have spoken with 3 individuals, all of them telling me that they are sorry but they cant issue a credit until the charges show posted instead of pending. I have XXXX children and NO MONEY to feed them while waiting for my credit to post. I am disgusted by the way Chase is handling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Petitioner Capital One Bank hired XXXX XXXX XXXX, XXXX and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX  XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.

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 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.

Company response to consumer: Closed with non-monetary relief