vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed an account with Experian from XXXX XXXX XXXX due to the fact XXXX was reporting an incorrect balance on my report. They were charging to much interest. I provided the letter to Experian from XXXX stating this. I asked this account to be removed from my credit file due to the inaccuracies. I don't care if XXXX updated the balance, it was still reported incorrectly for years and I want this account removed from my file per FCRA guidelines. I'm not sure what information Experian has claimed to verify, but I provided them with the letter from XXXX. If this is not removed. I will take further action against Experian. It has already been removed from other bureaus but someone Experian is not cooperating. I'm attaching the letter once again from the creditor. So, if XXXX claim the letter they sent is inaccurate, I need to know so I can take action. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. 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 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I submitted a complaint before about this same matter and received a much disappointing vague response. I would now like to see proof of me owing such debt will I will include below of me owing any money to XXXX XXXX/ collection company. 

I have also sent certified letters to both the credit bureaus and the collection company in question via US mail. Im waiting to obtain a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have asked a number of times for this item to be removed from my credit because it is over 7 years since my last payment and also they are showing my last payment was in XXXX but it really was in XX/XX/XXXX in XXXX this collection agency bought this debt so they have there records wrong i asked for it to be removed XXXX did this the other 2 still show it please XXXX & XXXX can you please remove this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2019 I contacted my bank Wells Fargo and informed them that my phone was stolen from my car and that I have purchased a new phone and changed my username and password to protect my account and that I received an email stating that someone was trying to access the card free atm but was unsuccessful. I informed them that other than that I had no suspicious activity and no unauthorized transactions and was advised to change username and password to prevent any future attempts and Also to call them back if I notice anything unauthorized. Two days later on XX/XX/XXXX Wells Fargo disabled my online account. When I called in to get my account enabled they informed me that my account was under review and that they had no further information. 4 days later they made a business decision to end my relationship with the bank. With out any reason. I did as I was supposed and informed all my financial institutions of my stolen device. And that although my device was stolen I had no unauthorized activity on any of my accounts. But Wells Fargo decided to punish me for my phone getting stolen and then closing my account saying I could never be a customer ever again

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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I  would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.

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 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander consumer finance is adding fees and not applying payments that I have made to my account. The vehicle was paid off and they are not applying money to account. They have tried to repossess my car even though they have proof it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a loan in the amount of {$300.00} in XX/XX/2019, and I have been paying {$66.00} every 2 weeks since then, which totals 10 weeks as of today XX/XX/2019, totaling {$660.00} I have already paid them. When I made my first payment on XX/XX/2019, It showed I had a balance of {$300.00}. When I made my 2nd payment on XX/XX/2019, it showed my balance was XXXX. When I made my 3rd payment, it no longer showed me a balance. I have been paying every 2 weeks, {$66.00}, and as of right now, they are still saying my payoff balance is {$370.00}. It continues to increase as I made a payment. This was not discussed with me by anyone when I took out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CA

Complaint narrative:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/2019 I received an email from NETSPEND about a credit card being opened using my email address. 

I immediately wrote to NETSPEND to report the fraud. They have not responded. 

However today I received another email that the credit card is being shipped. 

I also received an email from XXXX saying that my email was used to register a device with them. I do not own any XX/XX/XXXX products. 

Last week XXXX told me that someone from South Carolina, USA was trying to login to my account but I blocked it. 

Please take action, I feel helpless.

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 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I borrowed {$500.00} on XX/XX/2019 online, and I have paid {$110.00} every 2 weeks since then. As of now I have paid them {$1000.00} or more, and I still can not get information on what I truly owe. There is no information on the loan online with a balance. I have no way to know how long they will say I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was away for a XXXX XXXX and came back to find out via email that Chase had reversed a temporary credit placed on my account. My drivers license was stolen on XX/XX/XXXX only for me to realize that someone had withdrawn {$2400.00} from my account via a third party website on XX/XX/XXXX. Chase reversed the temporary credit because the fraudster provided my ID ( still unsure how thats possible if Im not present ). The thing is, Chase always calls me and alerts me of transactions that take place over {$25.00} ( I have it set up via the alert center ) but I wasnt alerted this time around. This made me suspicious. Chase then reversed the funds due to the fraudster providing my stolen license electronically to the online company that they used which brought my account to a negative balance ( overdrawn ). Chase also told XXXX XXXX   that I filed a claim on 2 XXXX payments that came from my Chase bank account into my XXXX   XXXX XXXX account when in fact I had never filed a claim on them. I only filed a claim on the {$2400.00} payment that was fraudulently taken from my account via a third party. This new development caused XXXX XXXX to withhold {$2500.00} of my funds in my XXXX XXXX XXXX checking account. This is totally unfair as it has inconvenienced me a great deal, causing me to stop payments on my student loans, accrue interest, and has put a dent in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STATE FARM BANK, FSB
State: NV

Complaint narrative:
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and STATE FARM BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

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 2019-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

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 2019-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It says I have regular inquiries on best buy. Yet I have no connect to best buy

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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Mid XXXX : Received a booklet in the mail, the contents of which says : earn up to XXXX ThankYou Points if you open a checking account and perform certain activities. " Offer expires XX/XX/XXXX ... If you fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all required activities. '' XX/XX/XXXX : Opened checking account. 

XX/XX/XXXX : Completed all qualifying activities to earn XXXX ThankYou Points. This was later confirmed by two representatives on the phone on XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX : Received an email from Citibank : " Congratulations! You have completed all required activities for the ThankYou Points Checking Offer. The bonus ThankYou Points will be credited to your existing ThankYou Member Account within thirty ( 30 ) days. '' XX/XX/XXXX : Called Citibank. They disregarded what I received from them by mail and what I received on XX/XX/XXXX by email. They said I will get your points on XX/XX/XXXX. 

XX/XX/XXXX : Called Citibank. They disregarded what I received from them by the mail, what I received on XX/XX/XXXX by email, and what I was told by them on the phone on XX/XX/XXXX. They said it will take up to 20 business days to investigate this. I do not trust them at this point, as they have lied to me four times.

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 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card in XXXX NC made an UNAUTHORIZED DEBIT from my checking account on XX/XX/19 for {$100.00}. The last time was was authorized 17 months prior to this debit. I stated at that time this was 1 time and 1 time only!!! If they ever did this again I would report them. {$79.00} in fees later. I need them to refund the {$100.00} plus the {$79.00} plus a pain in the XXXX fee {$50.00}. 

If I have to close this account like a friend had to { yes it was Discover } because of this fraud the fee goes up to {$250.00} and whatever penalties you slap them with. 

For whatever reason they think a check by phone is whenever they feel like it. I am on EBT and doing the best I can ifinancially. I told them after I shut down the credit cards I would pay them what I could to pay off the balance. I have not lied to them or run from. 
Trying to find affordable housing, a job, education oppertunities has been difficult enough with out takin time to run around and take care of going to the bank twice, going to a vendor twice, multiple calls ect. 
I did not need or want this XXXX. 
2nd submission got no response to the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
CommonWealth is reporting a debt on my credit report and NEVER NOTIFIED ME PRIOR TO INACCURATELY REPORTING THIS INFORMATION. 
Today it shows : COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$790.00} 0 % paid off Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$790.00} {$790.00} Payment Info Original loan amount {$790.00} Balance {$790.00} Updated on XX/XX/2019 No other identifying information that proves this debt belongs to me. I would like this matter to be investigated further because I never received a written notice of my right to dispute per FCRA, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: MS SERVICES LLC
State: NV

Complaint narrative:
On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX   representative named in the reponse letter, have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
On my credit report, it indicates that I live at XXXX XXXX XXXX XXXX, TN XXXX -SINGLE FAMILY. I have never lived nor don't know where this is. It also states that This address has pertained to a business : XXXX XXXX XXXX XXXX TN XXXX, which when I looked it up on XXXX XXXX, belong to some church. Fox Collections is apparently reporting this address as a way to say they have contacted me to collect a debt. 

This is what it says on credit report : Reporting " XXXX XXXX XXXX XXXX, TN XXXX '' This Address was reported to XXXX by FOX COLLECTION CENTER and 3 other companies ( which is FOX as well ) Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER Collection account. {$310.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record FOX COLLECTION CENTER Collection account. {$340.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record I called FOX to let them know that the address is fraudulent and that they are reporting inaccurate information. No change because I received this notification as of XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have called Sallie Mae 3 times within 6 months about getting my loan repayment lowered and extended longer. They said no that I have to pay {$360.00} every month. I wanted to get it lowered to like {$150.00} a month because I can't pay {$360.00} a month. They said if I didnt make the payment by the due date collections would call me and give me more options. Sallie Mae told me they would work woith me on my payments and they say have been Helping American Students for decades. That's false advertising because they don't help at all, they rip us off and tell us false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation