vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. Experian and XXXX  do not see my XXXX  open accounts as existing, XXXX  reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called Experian and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with Experian directly. Calls to XXXX  were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.

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 2020-01-20 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Wyndham time share charged my Wyndham rewards credit card twice after being told to stop ( XX/XX/19, XX/XX/19 ). One charge was immediatedly reversed. The other took 5 months to reverse ( XX/XX/19 ). The credit card company eventually removed my late fees/interest, which put me at a {$0.00} balance as of XX/XX/19. I am being told that the credit card company is now having my late payments being removed from my credit as of XXXX XXXX. During this time period my card was closed due to non-payment of this unauthorized charge, which was in dispute with the creditor and credit card company. I have made numerous calls to have my card re-opened. 1st 2 calls, Credit card company said they were submitting request to try to get re-opened. These request were undocumented by card company. 3rd call said they don't have the authority to reopen a closed card. My card was at a {$0.00} balance before/during this dispute process. My payments were on time and my card was open.

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 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I contacted the company regarding numerous debts that I did owe. I was told by XXXX that I could pay {$35.00} a month and as each of them were paid they would remove them from my credit report. I have paid almost all except one and none have been removed from my credit report. XXXX is no longer employed there and they are not honoring the agreement. I contacted XXXX who said she believes me but has to speak to supervisor. I have not heard back. XXXX has also increased my payment amount and changed my due date without my permission. She contacts me saying I am late on my payment and I tell her each time I did not agree to pay on this date or this amount and she says oh yes I remember but does nothing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed a missing historicial payment history on my XXXX credit card account, on my Equifax credit report in early XXXX of XXXX.It was verafied as accurate and they never fixed the problem.The payment history is marked monthly as " no data avaiable '' .This is incacurate and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1. During 1 month period, Chase has done multiple DUPLICATE DEPOSITS ONLY TO HAVE them all SUBTRACTED. EVEN THE TELLER PUT THROUGH deposit TWICE. EVEN WHEN I DISPUTE IT IS PUT THROUGH TWICE. CHASE IS DOING THIS SO WHEN I SEE DEBIT I WILL OVERLOOK Chase WITHDRAWING MONEY. FOR THIS TO HAPPEN 3 TIMES IN 1 MONTH IS NO ERROR. 
2. I TRIED TO DO A PURCHASE YESTERDAY-5 TIMES MY CARD WAS DECLINED. CHASE ADMITED TO  MONITORING AND DECLINING MY CARD 5 TIMES. WHY IS CHASE PERSONALLY WATCHING MY TRANSACTIONS BUT NOT THEIR OWN DEPOSITS? I WOULD LIKE TO KNOW-WHEN I CALLED, CHASE REPRESENTATIVE LIED AND SAID I DIDN'T RESPOND-BUT CHASE NEVER CONTACTED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
Step 1 : On XX/XX/2019, at our request, Flagstar Bank, our mortgage holder, sent out a payment from our escrow account of {$1200.00} to our home insurance company. The check was never received by that company. We called and asked them to find out what had happened. The money was not refunded to our escrow account. 

Step 2 Flagstar then sent out another check in the amount of {$1200.00} on XX/XX/2019, but they put a stop payment on it. This second amount was refunded to our escrow account. 

Step 3 In XXXX, we called Flagstar back and asked them to ensure the money had been sent. Flagstar finally sent a payment again from our escrow account in the amount of {$1200.00} on XX/XX/XXXX. We almost lost our home insurance because of this delay. 

The insurance company did receive this last payment and that was settled. However, the first payment made on XX/XX/XXXX has never been refunded to our escrow account. We have called four times. Each time, we have been assured that the money will be refunded. It is now XXXX, our escrow account is overdrawn, and Flagstar Bank has increased our monthly payments due to this shortage. We are at a loss on what 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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. XXXX   and Equifax do not see my XXXX  open accounts as existing,XX/XX/XXXX reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX  would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called XXXX  and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with XXXX directly. Calls to Equifax were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion reports and inaccurate name and address ; name- XXXX XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX, FL 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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I self XX/XX/XXXX myself and labeled myself as something that I'm not due to reason of XXXX  XXXX I was XX/XX/XXXX in the XXXX XXXX Jail and released on a signature XXXX then I had four years of XXXX  the last three months were served back in the XXXX XXXX XXXX and ever since XXXX I have had no criminal or legal troubles I've changed my life around and now I am attempting to sue the finance systems of Green Bay InXXXX and XXXX XXXX XXXX for the {$3000.00} bill they charged me for room board when I shouldn't have been there in the first place in the kitchen that I am also appealing the expungement and I are through Wisconsin court of appeals and also applying for a governor 's pardon because this history not only is wrong the charge and conviction are wrong but I don't know it also is very unfair that I can't find a job today with that charge in 4 years I paid over {$3000.00} towards this jail bail and now I am financially broke and can't meet my daily living needs keep in mind that some of those payments towards that jail bill came over the Wisconsin tax intercept program but all the rest the majority of it came out of my SSI benefits in which my representative payee has just graciously been paying to get rid of it so can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citibank is reporting a fraudulent credit card on my credit report linked to an address in which I have never lived.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to 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 2020-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Deposit to regions bank XX/XX/XXXX of {$19000.00} Bank then sends us a letter that letter stating that they are holding the funds for more than 7 days - they are holding for 10 days because they have an anonymous source that states the funds may not be paid I called client who gave me funds and she said money was taken out the same day and that her bank XXXX XXXX XXXX states that Regions Bank had the money within 3 days which is prior to the date they sent me the letter. 

Funds were paid but the bank is sending letters of lies in order to keep funds longer so they can use them. Plus they are making the statement that the other party may not honor their check! 

Deposit into regions bank XX/XX/XXXX of {$74000.00} Bank sends us an email that they must hold the funds longer than 5-7 days because they have yet an anonymous source that states the funds may not be paid This check if from our XXXX XXXX XXXX. I have no doubt that the check will be paid and again Regions has put another lie in order to use our money for a longer period of time. 

I can not be the only person who is being fed a series of lies in order for them to use our money ... they need to be reprimanded ...

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 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX I received an email from my bank ( Santander ) informing me that my landlord did not cash my XXXX  rent check and they returned the funds to my account. When I paid my XXXX  rent using Bill Pay, like I normally do, they sent my landlord her XXXX payment as well as the check from XXXX. She received both checks XX/XX/XXXX. Naturally she was confused, so she called my bank and they told her that she could not cash the XXXX check because the funds had been returned to my account. I called Santander to find out why they had sent her the XXXX  check instead of returning it to me and why they had given her my account information ( the funds being deposited back into my account ). Basically their reaction was " Whoops ''. I feel that my privacy was violated by sending her that check and telling her that the funds had been deposited back into my account. I was told that the check was sent back to her because that's the only address they had. I find it very difficult to believe that a bank I have been doing business with for over 20 years does not have my address.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to 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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MA

Complaint narrative:
I called XXXX on XX/XX/XXXX or XXXX of XXXX and explained to them that I would like my final bill for the amount owed. I also was very affirmative that I would NOT pay the amount that they're requesting I pay due to how I forced to purchase a brand new phone on XXXX, XX/XX/XXXX. I agreed to pay them {$200.00} for the bill but I did not agree to pay them back for a phone that they FORCED me to purchase even though I had insurance. This was a whole scam and I may not can tell it inside this little box that you'll are asking all the information for but if you got me in person or on the phone, I bet you I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good Morning - I called Kohl 's ( XXXX ) XX/XX/2019 at XXXX XXXX. I was on the phone for 32 minutes and 19 seconds about my credit interest. I spoke to one man who couldn't explain to me why I was being charge interest twice. He said if you pay your balance off each month you won't be charged interest. I told him I was VERY aware of this, however, when I carry a balance why was I being charged twice. He couldn't answer so I spoke to a manager. He couldn't answer the question either. This is VERY bothersome because I work for XXXX XXXX as a XXXX XXXX. My statement shows I'm being charged " Interest on Protected Balance '' and " Interest Charge on Purchases ''. My questions is what is the difference and neither of them could tell me. There is not explanation of the difference on my statement or on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Reported : XX/XX/2019 was transferred to XXXX Reported : XX/XX/2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

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 2020-01-20 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

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 2020-01-20 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 non-monetary relief
Consumer complaint received 2020-01-20 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I began the banking day with a positive balance of {$450.00} before the banking day began there were 4 transactions that were presented on my account 1. ) for XXXX 2. ) for XXXX 3. ) for XXXX and 4. ) for XXXX. The bank decided to pay all four charges. The total for the first 3 transactions is XXXX. The way in which these transactions were processed on my account it caused me to have 3 overdraft fees instead of 1 for just the XXXX transaction. The transactions were processed so that they caused the greatest overdraft. I spoke with the bank they gave not given me a specific answer as to how transactions are processed and in which order. I am told a overdraft fee is put on the account the moment when a account becomes overdrawn even if the transaction that causes the account to become overdrawn is only an authorization charge and not a final charge. I believe that overdraft fee should be assessed if a transaction post. I have even put money in my account before the fees were assessed and before the end of the banking day and still was charged a fee On another instance the bank also used a bank account maintenance fee to cause an overdraft when the fee itself is imposed on the account for banking with them.

Company response to consumer: Closed with monetary relief