vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 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: GMS Holdings, Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX, I had a XXXX credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted XXXX and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XX/XX/XXXX and XX/XX/XXXX, XXXX removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On several occasions I have attempted to change my repayment plan through Navient. In the past I was directed to a government website. Again today XXXX, I called Navient and first spoke with " XXXX '' work ID XXXX. She told me my spouse and I earn too much money to qualify for an income based repayment plan ( I am trying to qualify for the Public Student Loan Forgiveness Plan ). A manager named " XXXX '' XXXX repeatedly tried to direct me to a lower repayment plan- I specifically said numerous times that I want to enroll in one of the following plans : Revised Pay As You Earn ( REPAYE ) plan, the Pay As You Earn ( PAYE ) plan, the Income-Based Repayment ( IBR ) plan, the IncomeContingent Repayment ( ICR ) plan. I was told I do not qualify, and the manager keeps changing the subject. After more than 54 minutes on the phone line, much of which is on hold, I am waiting to speak with a representative based out of the United States due to communication barriers. The XXXX XXXX XXXX is trying to prevent me from applying for a qualifying repayment plan for Public Student Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.

In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion. 
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.

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 2018-08-13 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XX/XX/XXXX/XX/XX/XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:05/11/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date XXXX XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXte : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX  Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX Date:XXXX Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company XXXX XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX   Date:XX/XX/2018

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 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ).  He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1. WELLS FARGO COMPLAINT. 
While banking with Wells Fargo bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked wells Fargo bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into Early Warning System which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have Wells Fargo bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. XXXX COMPLAINT. 
While banking XXXX bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed XXXX customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with XXXX. I waited for while for all the funds to be available and XXXX customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, XXXX bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. XXXX bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise XXXX bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.

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 2018-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Collection company never contacted me about any outstanding bill I contacted them when they appeared on my credit report showing a bill was open XX/XX/2018 and appearing on my report effective XX/XX/2018. The alleged bill is not open over 60 days and I provided proof of insurance. They indicated because they can not verify insurance they are requesting I contact other office until they could verify my information. 

I have no debt with them, they claim I owe them monies and never received a bill from them. 

They received proof via fax of medical coverage and still refuse to remove. They are not complying with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I applied online for the US Bank Cash Plus credit card in XX/XX/2017, using a sign-up bonus, that I get {$150.00} after spending {$500.00} within 90 days of getting my card. I spent the {$500.00} within the timeframe. I have still not received the {$150.00} bonus. I emailed US Bank to inquire, and they advised me I did not sign up with this bonus, when I used their link online clearly promoting the sign-up bonus. I have attached 2 files - the advertisement from US Bank with the sign-up bonus, and their email to me saying no bonus

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Dear CFPB I am writing to ask your assistance to reopen my oldest account with Citi bank which they closed due to inactivity. I was never notified or informed anyway shape and form that my account will be closed if i do not use it otherwise i won't let this account to be closed. Its my oldest account and by closing this account my credit had very significant damage because it wiped out my credit history. Please Dear CFPB assist me to reopen this account which is very important for me and my credit. 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 2018-08-13 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: MI

Complaint narrative:
Summary : My credit score has decreased by a significant amount due to XXXX XXXX incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to XXXX XXXX, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : XXXX XXXX attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a  significantly negative impact on my credit report/score. 

XXXX XXXX attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

XXXX XXXX then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.

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 2018-08-13 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
There is a pending investigation into XXXX Uiversity for fraudulent practices. My Navient federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called Navient multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: NV

Complaint narrative:
There is a pending investigation into XXXX Uiversity for fraudulent practices. My XXXX federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called XXXX multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.

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 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
This complaint is in regards to Jacob Law Co. based in XXXX, MS . I spoke with this company on XX/XX/18 over the phone. This law firm is very unprofessional to speak with. I owed a debt to a different creditor for {$680.00} and it was sent and bought out by Jacob Law Co. They sent me one letter about the debt and then decided to sue me and take me to court over the matter. When I called to set up payment with them, they wanted to know all of my financial information. They asked how much I made, what my bills were, and wanted to get into depth about my whole life financially. This is absolutely uncalled for. There should be no reason a debt collector should know how much you pay for food and gas, ect a month! I was also belittled and asked so you just sit at home and do nothing with yourselfwhen I said I was a stay at home parent. They refused to take a payment until I asked to speak with someone else. The lady I spoke with took my payment but told me they would still be taking me to court. I asked to receive a record or invoice of the payments being made and was informed that they do not do that and I need to keep my own record of what is owed. So they will not send my anything in regards to what is left of the debt owed or any payments being made. How is this legal? Between the terrible customer service, bullying, and unethical practices, this company should NOT be in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I clicked on annual reporting site to get my free annual credit score. The site stated that I am entitled to get one free reporting per year. I was able to obtain my credit report, however, when I clicked on my credit score, it would route me me to TransUnion account, where it would ask me again for my email address. When I entered my email address, it would yet take me to another screen, where I was asked to enter all my information again, which I did. Then the final filed, it says to enter my Credit Card information. If I am entitled for one credit report a year, why am I being asked to enter my credit card information? I logged out and tried to sign on again, but it gave me an error message, I guess since I used the system once, it would let me continue, unless I enter a credit card number. 
Thank you for your help! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: AR

Complaint narrative:
I made a dispute on All 3 credit reports about a inaccurate item XXXX XXXX XXXX # XXXX this item is not reporting 100 % accurate information. I have asked for a copy of the original signed contract from the credit bureaus and they refused to send my copies for the original signed contract from the creditor which they wont provide, they just keep saying the account is verified well if that's so by law I am obligated to see the original proof of contract that the creditor supposed to have in they flies so that I know that this account is mines and was signed by me XXXX XXXX. they have failed to send me proof about the XXXX XXXX XXXX  account. this information is supposed to be given when I request for it. they need to delete this account is they don't have proof. send me proof of the signed account original contract so I know this belongs to me that I signed for, or delete it .. its a fraudulent account that they reporting

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