vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 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: IA

Complaint narrative:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: VA

Complaint narrative:
XXXX and XXXX has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a penny of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: NJ

Complaint narrative:
on the transunion credit report it's reporting information and per usps the address they have on the account is a vacant building.

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 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I had my payroll checks deposited into my checking account, went to get money from my paycheck which was just direct deposited and they said that the money was on hold for a debt. I said they cant take 100 % of your paycheck for a debt and they said yes they could. This was in XX/XX/2015. There was only one ever successful small claims, it was to pay XXXX   XXXX XXXX for 350 credit limit which they charged me over a XXXX for but they are still trying to garnish my wages so Wells Fargo never paid them that money and there is no account of my money going elsewhere, so can I have all my illegally taken money please? I lost my job because i didnt have any money for gas and I had to pay short term loan interest rates for the next year and im still paying for debt created by them stealing and losing my money, closing my account and Losing any record of where they put all my paychecks

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 2019-06-08 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: TX

Complaint narrative:
XXXX and transunion fail to add a fraud alert to my credit XXXX call me before issuing any credit they put a consumer statement which i never asked them to 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 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
This medical debt was original sent to my employers address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, even that is incorrect the address is XXXX XXXX XXXX XXXX not XXXX. 

My home address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Last year around XX/XX/XXXX I informed the medical provider that somehow they had listed my employers address instead of my home address on the medical records In late XXXX my employer received these XXXX invoices at the XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX I received the medical bill, I then called and spoke to a rep to verify if it was my debt. The debt was confirmed by both parties and told them I would call back upon receiving my paycheck to pay off debt. 

On XX/XX/XXXX I phone the collection company and made the arrangement & negotiated that upon full payment for these XXXX accounts being reported on my credit files to have them removed. 

I made a payment with representative Terra # XXXX to pay {$860.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IL

Complaint narrative:
LendingClub is an online consumer loan company - outrageous interest rates that they do not explain adequately in order to deceive the borrower. They focus on monthly payment amount and not the fact you will basically pay for the loan twice. Furthermore they prevent access to your online account to audit payments and have insight into their lending practices. I have not been able to get access to my account for 6 months. They insist on you having a verification code which they say they send to your email and is valid for 10 minutes. The codes finally arrive in your email 24 - 48 hours later after the code has expired. I contend this is to prevent consumers from realizing the extensive amount of interest being charged as well as making any additional payments. Attempts to complain or resolve are left unanswered. I have spent a total of 4 hours trying to get this resolved. The last time I could access my account was in XX/XX/2018. Consumer should be made aware of this practice and to be cautioned against this practice. The company does not send out electronic or paper statement affording the consumer no access to their account activity or history all in an attempt to cover up their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have applied for a new credit card with American express through their mobile phone application officer. Amex has been cheating customers by decreasing the credit line on the older cards when they apply for newer cards without the customer 's consent. I have been reading this online and just shocked to see they can play as they want. I know how smartly they can get away from the cheating they do by saying Amex has the right to do so. That is the reason I have explicitly asked the agent during the application would the credit line on older one decreased and he confirmed with a clear NO, can trace the voice recording and figure it out. 
I have tried to reach out to customer care service after I have received the card and he mentioned there is a manual request to decrease the credit line on my account, which is very unethical and I think it is illegal as well as they said something and doing something else. I have been trying to contact their customer service and they keep on making excuses and transferring to other departments and no one knows how to solve it correctly. 
I really want an explanation with concrete evidence of what went through the case and why they are lying to the customers and how do they get away with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I got a XXXX XXXX XXXX the vehicle stared at XXXX dollars ok after all the fees and other it came up to XXXX where the problem start at they got me paying XXXX for 72 months that's XXXX dollars ok they telling me it's nothing they can do when we did the closing didn't nobody tell me well XXXX you no you got to pay XXXX but the bank adding a extra {$28000.00} so your total is XXXX I feel very helpless could you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I logged into FedLoan online several weeks ago and noticed my account was marked in a paid ahead state. I have never paid ahead as I always use direct debit. There have been several errors with my loans over the last two years requiring administrative forbearance holds to be placed on my loans in order for FedLoan to fix their errors. These pauses in payment were placed by the company and not requested by me. When they paused my plan, they did not direct debit from my account in summer of XXXX. I later was instructed to make that payment in XXXX and that was to be retroactively applied to the payment they did not debit ( their error ). I have received PSLF detailed payment trackers that show that payment was successfully retroactively applied to the payment they incorrectly paused. I suspect that payment triggered a paid ahead status on my account in fallXX/XX/XXXX. I did not see it noted as paid ahead until XX/XX/XXXX. I called FedLoan in XX/XX/XXXX and asked for that to be removed. They stated they could remove it going forward but that they didnt need to remove it retroactively. I am aware of people being denied PSLF for being in paid ahead status. I emailed my assigned customer service contact XXXX XXXX who has dealt with the other errors made by FedLoan on my account. I have not heard back. 

I would like to see written documentation from FedLoan that the paid ahead status has been retroactively removed from the duration of my account and that my account will no longer be placed in paid ahead status. 

I will be ccing my Congresswoman XXXX XXXX office on this matter as they have been involved in conversations with Department of Education on my behalf in the past to correct FedLoan errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
XX/XX/2019 Winn Law Group responded to my complaint filed against them and XXXX XXXX for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, XXXX instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or about XX/XX/2019, I filed a complaint via phone with my financial institution ( Chase Bank ) regarding a transaction for the amount of {$500.00} that was debited from my checking account on XX/XX/2019 by XXXX XXXX. I filed a complaint with CFPB on XX/XX/2019 under Complaint # XXXX. 

Chase Bank created a claim and a provisional credit was applied to my checking account on XX/XX/2019. My CFPB Complaint # XXXX was closed after Chase Bank responded that the money relief was issued to me-the consumer. However, Chase Bank 's Claims Dept sent a letter dated XX/XX/2019 closing my claim while making me liable for the transaction. On XX/XX/2019, Chase Bank had also reversed the provisional credit. Chase Bank 's adverse action is making me liable for an unauthorized transaction and keeping my funds hostage. 

Please investigate this complaint that I have with Chase Bank. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2018 My XXXX account was hacked into and multiple persons tried to open credit under my account. A police report was filed and I voluntarily closed all credit cards except XXXX XXXX which Ive had for over 30 years. 
I voluntarily put 7 year freeze on my credit activity with Experian XXXX and XXXX.. 
This month I applied to an XXXX XXXX XXXX which offered financing on extensive dental work I now need. I was denied as the representative stated they contact Experian who said I had a consumer statement on my report and they could not approve a {$4000.00} loan. 
I have tried repeatedly on line. Via registered mail. And phone and can not seem to rectify this situation. 
Can you assist?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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:
Equifax is dysfunctional. 

A bank loan that I have apparently sold itself to a different facilitator. I had nothing to do with it. I continue to owe the money and pay the money, on time. Equifax showed this as a " closed '' account. I disputed that and explained it was not closed just that the loan had been sold. Simple. Easy.  Not a big deal. Except they do not have a process that works and since they handle our credit that is wrong. 

So they send me a notice that it has been handled. They repeatedly send the dispute confirmation number of XXXX by email. The email instructs I view the results. When I do it asks for a litany of information including social security number & birthdate. It does not ask for the confirmation number. When I submit that info it tells me they need more info and provide a phone number. That phone number is automated and does not offer a path to view or hear the resolution. 

So I find another number, and finally get a human but I can not understand her English. It was very difficult to understand her. This person asked a series of questions that are difficult to answer like did I ever have a bank loan, with whom and what was the balance. There are ten or more of these questions. Over 40 minutes on the phone. When I finally pass the test she can tell me nothing. 

Today another email came. Same drill. Same process except I am writing you instead of calling where ever their call center is located to repeat that awful experience. 

Equifax is dysfunctional. Their on-line dispute process does not work. It is torture, They should not be allowed to handle Americans credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OH

Complaint narrative:
For the past 7 year I have been charged XXXX on my credit card and when I called discover card they said they could not tell me because it has been more than 7 years. They said it was for a cash advance but could not tell me for sure or how much the cash advance was. Every month they out the money but cant tell me why. My limit on the card is XXXX  in7 years ve paid over XXXX for this charge. I told them I dont ever remembering doing a cash advance and if I had charging me XXXX a mont for 7 yer shouldhave for any advance. They said they cant tell if there was a an advance credit ant that it was my fault for not calling sooner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.

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 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 6 months and meanwhile fees and being deducted from this account each month for non activity.

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