vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Long story short .... Someone stole my money from my account bank. 
The bank only assume last 60 days. but now my account it's empty. It was a complete year of fraudulent transactions. 
..Talking in details.. I had 3 accounts ... the first one, was empty with fraudelent transactions ... when this one was empty the bank move form the other credit accont.. and when this one was empty, they move from my saving ... and never sent me any advice of what this happen.. I feel isnecure, outraged ... Now I was close these acconts. And this crime and the thieves go unpunished ... I can not believe it. 
And costumer serveces from the bank has not answer. The only thing that i see here is the complicity of this bank on this robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Unifin Inc.
State: TX

Complaint narrative:
UNIFIN is the name of the so called debt collector with ref # XXXX said I owed over {$7000.00} on a loan I made in 2003. I said and it is takling you 16 yrs to try to collect on a loan I never made? Well, he said, is your name XXXX XXXX, your email is XXXX  XXXX is your SS # XXXX, I said where did you get this info, and he changed the subject quickly. Even told me waht my phone number is. Their phone is XXXX and said I need to pay ASAP and their fax number is XXXX. I said your are not getting a penny as I never got nor needed a loan in 2003. He replied he will do more investigating and call me back. OMG They have all my info. Please remove my persoinal info above if you publish. YOUR NEXT STEPS ASK IF I AM THE ACCT HOLDER, NO I AM NOT, NOR HAVE I EVER BEEN, BUT I CANT CONNTINUE WITHOUT SAYING YES?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AL

Complaint narrative:
We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-07-05 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: IA

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, PLEASE REMOVE ALL DISPUTED ACCOUNTS OFF 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 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2019 I made a payment of XXXX that covered my minimum payment that was due XX/XX/XXXX then on XX/XX/XXXX I made a early payment of XXXX that covered my minimum payment for the month of XXXX. On XX/XX/XXXX I get a text from synchrony saying that I am delinquent on the above account. I called the company and they told me that all they could do was remove the late fees but they could not take off the amount I supposedly owed for XXXX even though I already made a payment toward that. So now I owe XXXX as a minimum payment for the month of XXXX, which I believe to be unfair.

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 2019-07-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By Experian.Please see attached.

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 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2019, I called into Synovus online asking advice on how to pay taxes via check using e-check. They confirmed it would be okay. I scheduled a payment to be made XX/XX/XXXX. XX/XX/XXXX, I went into local branch, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and spoke to the head teller who confirmed that the payment would be made on time by XX/XX/XXXX through a bank to bank payment. She also added, if not, Synovus would pay for the late fee and charges. 

On XX/XX/XXXX, XXXX XXXX Taxes office had not received the payment via XXXX, and I thus incurred the late fee charged. 

On XX/XX/XXXX, I went back to the branch, and spoke to the same teller who suggested I speak to online service via the phone. After several minutes, the online service customer service discovered the payment had been sent out by paper check and not bank to bank. And they could not confirmed whether the recipient had received it, or on what day they received it. 

On XX/XX/XXXX, I contacted the bank and spoke to XXXX XXXX XXXX ( attached is out emails ) She advised me not to cancel the check via the phone, and in her emails after discovering the amount in the check. She went on to suggesting three ways it could have been done, but to wait a bit longer for it to clear. 

On XX/XX/XXXX, the XXXX XXXX Tax Department called and confirmed they received the check, and because it was a paper check I would have to pay an additionally {$350.00}. 
By XX/XX/XXXX, I returned to bank, and again spoke to the branch manager, XXXX XXXX. XXXX said she'd look into it at an appropriate time, as she has access to XXXX 's emails. I requested the bank pay the fee, honoring what their cashier said. Also, based on what XXXX suggested that I not cancel the check, the branch manager said she would " have to go higher up the ladder for that. '' I made a wire transfer on that day with XXXX from my personal account for {$350.00}. I also called the Tax office and had them on speaker phone for XXXX to hear why I was being charged the {$350.00} penalty fee. XXXX apologized, but as far as the bank honoring the amount, she could not confirm. 

XXXX communicated with me via email to confirm that the wire transfer payment had been received. I have also received a receipt for the amount from XXXX XXXX XXXX Taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: VA

Complaint narrative:
MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches never take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( XXXX : //XXXX.XXXX.XXXX/XXXX/ ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. Several comments on public forums seem to indicate that MoneyLion is refusing to honor the terms of the offer, based on arbitrary requirements ( see comment section here : https : XXXX ) I deposited {$3700.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$5000.00} was processed on XX/XX/2019. These direct deposits meet the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out.

1. The first invoice had all the fees including the early termination fee.

2. The second invoice had the corrected amount.

3. The third attachment illustrated that I paid XXXX XXXX in full. 

I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records. 

Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XX/XX/2018, I closed an American Express Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. American Express made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an Amex representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, American Express was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my XXXXredit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I applied for an apartment with a co-applicant we were denied try to contact the apartment complex via email telephone numerous times with no response. After 2 weeks I contacted my bank and asked if I could file a dispute explain to them what was going on and they said yes they would open an investigation after the investigation they refunded me the money for the application fee. 3 months later my co-applicant received a letter from a debt collection agency saying that he owed {$150.00}. I called the debt collection agency and they said that he was liable because he was a co-applicant for my XXXX Dollar application fee plus {$50.00} for the returned item from their Bank. I tried to explain to them that I had filed with my bank a claim and they investigated and said I had the right to receive my money back they were very rude and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX I received notification from my credit monitoring service that there was a potentially negative post to my credit report. I immediately reviewed this alert and found it was a past due payment of {$11.00} from Wells Fargo. I was surprised by this as I had not used this particular credit card in more than two years. I called Wells Fargo and they told me there had been a random one-time charge to my account and it had not been paid in 30 days so they notified the credit bureaus. I asked them why they didn't contact me and they said they sent me notification, they emailed me and they called me. I received no communication from Wells Fargo. I asked the woman if they left a message when they called and her response was that they were not obligated to do so. The first thing I did was pay the {$11.00} and received a confirmation. The next day I receive another alert that Wells Fargo had sent this to collections -- after I paid the past due amount. I contacted the credit bureaus to see if they could help and they informed me that I would have to take this up with Wells Fargo. I called back and got my issue escalated to the Executive Offices of " Collections '' who said they would look into it and call me back within a week, which they did not do. I followed up again on XX/XX/XXXX and they told me that my case had not yet been assigned to anyone and they would try to expedite it and I should hear back no later than XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office and the gentleman told me that they had reviewed my complaint and that there's nothing they could do. His comment to me was that they are only a bank and can't influence the credit bureau because they didn't do anything wrong. I asked to speak to a supervisor and he told me that there was no one any higher up. I told him I was going to contact the Consumer Financial Protection Bureau and he said he'd make note of that before he closed my case. I have been a client of Wells Fargo for many years and it's highly disturbing that this is how they treat their loyal customers. It's no wonder they are losing customers and they can't find a new CEO. No one wants to deal with them. I have closed all my accounts. The sad part of all of this is that pre this issue, my credit score was XXXX. This little {$11.00} incident, dropped my credit score to XXXX. Thank you very much Wells Fargo. What goes around comes around.

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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION
State: OR

Complaint narrative:
I decided to work with Alliant Credit Union as my mortgage lender after shopping around and comparing disclosed estimates for rates and closing costs. After saying " no '' other lenders and declaring my sharing " intent-to-proceed '' with Alliant, they came up with a 6-month cash reserves requirement under the name of " guideline ''. This was never part of any verbal communication or any loan estimate form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
in 2009 my interest rate was 9 % and i just got off the phone with my Chase ink company that said that due to the Credit card act of 2009 they were allowed to adjust rates as they see fit based on Credit history etc etc ... ... so since my variable interest rate has jumped from 9 % to 18 % to 28 % and I am told that is the highest its allowed to go as if i should be saying thanks. This is not fair to the consumers who are so busy with the daily lives to always be paying attention to the changes that are alway in small print. This is deceptive and should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
- I recently ( summer 2019 ) initiated a loan payoff from Lending Club 's website ( www.lendingclub.com ). 
///// - I was given a clear payoff amount, with no disclaimers that this was not the preferred way to pay off a loan. I have screenshots to back this up. 
///// - The payoff amount indicated that this would cover 100 % of what I owed Lending Club. 
///// - The payment history on my account reflected the payoff amount, including interest, to the loan. 
///// - When I logged into my account after the full loan payoff amount was posted, I was shocked to see an additional interest charge that meant my account was not closed. 
///// - When I emailed and called Lending Club, they were adamant that I should have gotten a disclaimer indicating that paying a loan off online was not possible. Or that if it was possible, I should have received notification that the payoff amount was not accurate. I find this difficult to believe because : ///// - - 1 ) The agent gave conflicting information ( that it should not have been possible, and then that I should have gotten a notification that it's possible but not accurate ) ///// - - 2 ) The agent indicated that their " internal systems '' showed the correct amount, and that the web UI is not accurate. I find this alarming, and fraudulent. 
///// - - 3 ) The agent indicated that the loan payoff amount was for principal only, and did include interest. This is false, as my payment history for the loan payoff amount includes a breakdown of exactly how much interest was included in the payoff payment. 
///// When I submitted the payoff payment, I was given a congratulatory screen indicating that all was good, and that I had successfully paid off my account. 
///// Lending Club has began to answer my inquiries by telling me that they are recording my calls and are from the " Debt Collection Department '', which seems quite aggressive considering I paid of a 3 year loan in under 6 months. 
///// My opinion of Lending Club is that they are quickly headed down the path of predatory lending practices. 
///// Additionally, in their help center online, they indicate that paying a loan off online is possible and includes interest. 
///// > If you're ready to pay off your loan, congratulations! That's a big financial achievement. You can make the payment right from your account. The payoff amount includes your remaining principal balance and interest. Once you pay off your loan, you wont owe any additional interest and your monthly payments will end. 
///// XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MT

Complaint narrative:
This is a copy of the letter I sent " LexisNexis '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send this letter again via certified mail.

Company response to consumer: Closed with explanation