vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The personnel at Wells Fargo know me very well. Despite knowing me by face and name they require an ID, so I went and got my passport. During the shuffle my Social security card fell out, but they told me that they had it, when I returned later in the week. Despite the very same people who know me being present they refused to return it. Claiming that they needed two forms of ID. One of which they held. I want to property returned post haste. My name is XXXX XXXX XXXX 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 2018-01-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.

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 2018-01-19 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I asked for validation of a debt reporting on my credit file by, XXXX XXXX XXXX XXXX . However, Convergent failed to validate this debt. Responding with a letter stating the debt was valid, along with a copy of a XXXX bill. This document serves no merit, my signature is not attached to it, nor does it has an actual contract with proof of ownership attached. However, I 'm in the process of buying a home and wanted to take care of this matter, because it is hurting my credit score. Even though I do n't owe this debt, I needed it handled. I reached out to XXXX XXXX on XXXX XXXX, XXXX to speak about handling the incorrect information on my credit report. I came to an agreement with the company to settle the debt for {$280.00}, set to come from a checking account on XXXX/XXXX/XXXX. This payment was set up by XXXX XXXX XXXX. However, on XXXX XXXX, XXXX I cancelled this payment with XXXX XXXX XXXX until further notice. As I needed to do more research on the bill. XXXX XXXX XXXX assured me the payment had been cancelled. On XXXX XXXX, XXXX an alert was sent from the bank stating a charge of {$280.00} was sent from XXXX XXXX This company initiated funds from my account without my permission! This is 100 % against the law! I have spoken with XXXX XXXX on the matter, and the problem has still yet to be resolved! Convergent is now reported to my credit report account, as legally paid and or paid less than full balance. This is incorrect information and I demand it be removed from my credit report. This incorrect information has caused a tremendous blow to my credit score, due to this inaccurate information reporting. I have spoken with XXXX XXXX management on several occasions. Head manager XXXX XXXX has not helped me in anyway! He only offered a simple, I 'm sorry and this should not have happened! It will not fix the stress this incorrect information has caused. I am requesting that XXXX XXXX, cease all reporting to my credit profile. This company is very unprofessional and untrustworthy. They have caused me grave stress from this inaccurate information reporting. Your help would be greatly appreciated. 

Thank you kindly, XXXX XXXX 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 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
TD Bank is blocking me from accessing my account information via external applications. This reduces my ability to use my funds as desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Okay, this is a complaint about Navient, among other egregious issues as they are just the XXXX 's loan company the preyed on people for years before other lenders decided to do private student loans. Besides that normal problem, for the last month, I have been working with my current school XXXX to defer my loans for another year, as the school mistakenly put my graduation down for the wrong year. The school has done everything possible, they called Navient, they sent numerous documents and updated the NSLDS stating when my new graduation date is. I emailed the company several times I got one response back stating that everything was going to be deferred and then today I got an statement for next month stating that I owe over {$300.00} which I can not pay while I am back in school. So it appears to me that I keep getting lied to by Navient and this company WANTS be to default. The worst part is my XXXX were deferred with no problem. I have to documentation to prove that they said everything was deferred to 2019 and the money they are now asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more money.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: TN

Complaint narrative:
Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Sent me a letter dated XX/XX/XXXX The letter said that my credit card account ; which I had for 8 years prior to this letter had  been canceled because of a low credit score. This made the credit card impossible to pay on line or by phone and I personally think XXXX XXXX did this to exploit me trying to get my credit problems taken care of at time. They also gave my address to my business partner, his Lowes card had the address XXXX XXXX XXXX XXXX ; XXXX. Even though when I called them in XX/XX/XXXX XXXX XXXX has not addressed any complaints we had and basically the last bill was three times the balance before XXXX XXXX made it impossible to pay them. WHAT A SCAM IM GOING TO FILE A COMPLAINT ON THE FEDERAL LEVEL TOO.

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 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: AL

Complaint narrative:
I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: IL

Complaint narrative:
I made my mortgage payment through XXXX XXXX XXXX that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my XXXX XXXX XXXX account to my XXXX XXXX Mortgage. I have a confirmation from the XXXX XXXX XXXX online banking history that shows the payment date as XX/XX/XXXX.  However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase was supposed to deposit XXXX XXXX to my account in 2014 but never completed the transaction. The transaction still shows in my account as pending. I have attempted to work with their support team for the last 90 days and have not received an update in the last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On Wednesday, XXXX XXXX 2018 I decided to look at the APR on a longtime Discover card that I 've had. So I opened the statement online and then spent the next 20 minutes or so hunting for the APR to no avail. I 'm not computer illiterate by any means and was getting frustrated as the APR on the other couple of cards I have is plainly shown on the first page of the statement. So I called Discover Customer Service and was told by the CSR, that she would gladly transfer me to someone in the tech department so they could '' guide me through the screens '' to find this information. She, however, was able to tell me the APR within the first minute of the call. When I told her that was outrageous that as a consumer, I 'm not able to find this information readily and why? She then said she would pass my concern to management. After I got off the phone I sent Discover an email asking why APR 's are not readily accessible to me on MY statement and have yet to get any sort of response. But they sent me a survey immediately after the call asking for my opinion to which I responded negatively in every category. It never has been like this with Discover in all the years I 've had a card with them. I have literally never had an issue with them ever until now. What gives? Finding my APR should not be a secret ... it is n't with other major credit card companies. Why is Discover being so secretive? 
I hope you can help me as I 'm ready to close the card and be done with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Colony Brands, Inc.
State: MS

Complaint narrative:
After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. The supervisor stated that she DID NOT have this information because her records do not go back this far but I could fill out a fraud alert form & then it would be deleted. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. I filled out the fraud paper work that the supervisor referred me to  & as of today, it is still reporting. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
The calls from the company that is saying their name is XXXX XXXX started on Monday XX/XX/XXXX, they were calling my number and my fiance 's number with a message to serve.This morning my fiance received a call from an unknown number stating her name was XXXX XXXX. My fiance asked me for the last of my SS and from there XXXX XXXX stated she was going to have XXXX ( my fiance ) arrested for not giving out my phone number. She also told XXXX what the debt was and when it was from XX/XX/XXXX. I then told XXXX give them my phone number and asked them for the company name and address, XXXX was then hung up on. After that call I called XXXX and spoke with a representative stating this is my Debt from XXXX {$1500.00} court cost and {$510.00} cost to Advance America. I first asked for a validation of the debt, which she said she can not provide.I mentioned this debt is way passed the statue of limitations and said it was not.While I was on the phone with her my fiance got another call from the same company in which then she handed me the phone. I told her she can not threaten to have anyone arrested or sued over the phone as it is against the FDCPA. The representative stated if they are impeding on the investigation they can have them arrested This is a HUGE FDCPA case in which this company need to be closed for their improper business practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation