vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I had an active and open checking account. I received a deposit early XXXX and when following up, discovered the account was closed. The bank closed the account without notice yet still accepted the deposit. When asked why they accepted a deposit on a closed account they stated because it was temporarily opened. When asked how I could access my funds, they stated that I would receive a check after an unknown amount of time has passed. I have no access to my money and have not since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I made a XXXX transaction through my Wells Fargo account in the amount of {$450.00} to XXXX XXXX ( XXXX ) XXXX as a deposit on an item for sale posted on an account I follow on XXXX. 
On XX/XX/2019 I made a second transaction in the amount of {$700.00} to the same individual that was to be my final payment. 
Later, the seller claimed she did not receive the {$700.00}, so I made a claim through Wells Fargo that the funds were not received. Shortly afterwards, I was made aware that the seller was stealing photos of items from a legitimate business and posting them for sale, when in fact, she did not have those items to sell. After some research, I discovered the seller has done this to multiple people ; posting items for sale, receiving payment for those items through XXXX and disappearing. 
Once I learned I was being scammed I contacted Wells Fargo to cancel the claim in progress and instead file a money movement claim that I did not receive the goods/services I had paid for. 
Wells Fargo opened two claims, one for each transaction and reached the conclusion that because I made the transactions and since they were already completed, they would not offer any recourse or refund. They recommended I contact XXXX and continue the matter with them, which I did and had a manager explain to me that a XXXX payment should be treated like a cash transaction and that once completed, could not be reversed and they refused to offer a refund. 
Only after I asked if they were interested in knowing someone was using their platform for scams did they ask me for information on who the seller was.

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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: MS

Complaint narrative:
I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We have been effected by the XXXX  Data Breach that resulted in identity theft ( SSA Case # XXXX ). Since that time, we have had an extremely difficult time maintaining proper cashflow into our household. We have had several accounts frozen and an inability to get credit. 

This has resulted in Bank of America ( which was our only Account that was unaffected but this crime ) to be low on several occasions. 

Since, XX/XX/2018 when this started, Bank of America has charged us {$2400.00} in fees alone. This is outrageous and should be criminal.

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 2019-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On two separate occasions I used my Visa Debit card issued thru Wells Fargo to pay for a stay at XXXX XXXX XXXX. I had to prepay for the trip and I completed payment in XXXX of 2019. I went on the trip in XXXX of 2019 and the services was misrepresented nor did it complete services as describe and as I paid for. I called to place a dispute however Visa declined my dispute staying that with Debit card purchases since I stayed there and it was a debit card I used there was no dispute rights. However I have video, emails, pictures and all information requesting to have accommodations and corrections made. The vendor did not respond or correct any issues. Also accordingly with the dispute the merchant even though it was a debit card used my card as a credit card and thus it was ran thru the credit card processing system as use a credit card not requiring a PIN for the purchase therefore I an supposed to be given the same dispute rights and protection as if it was a credit card. Visa non has Wells Fargo do that.

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 2019-07-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.

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 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-07-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-07-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 read that XXXX XXXX had been hacked, and I wanted to make sure I had a security freeze on all my credit reports. I could not log in to the Equifax site. I used to have a TrustedID account ( free from the Equifax breech ), but that seems to have expired.

My logon/password were not accepted. I went through the laborious effort to get a new password process, and tried to logon. I was told to call XXXX to proceed. I called. I was told to " press 1 to leave a callback number ''. I pressed " 1 '', the call received a busy signal and hung up. I repeated the process an hour later. Same result. I repeated the process a third time, and was able to leave a callback number. I received a callback 45 minutes later.

I was asked many ( in addition to all the online identification ) questions to verify my identity. What is my monthly credit card payment? I do not have a monthly payment, I pay the balance at the end of the month. Question repeated. Answer repeated. Question repeated. Answer repeated. Question repeated, and I explained the best that I could, that I have no monthly payment, paid in full is the answer.

Next question : What month did you place your last security freeze? I do not know ( it was when Equifax was breached, but I do not remember the month ). Question repeated. Answer repeated - I do not know what month. Request for security freeze denied.

Now I can not get into my Equifax credit report ( " call XXXX to proceed '' ), I do not know if my report is under security freeze, and I can not get this resolved.

I wasted 5 hours of my time today. I believe Equifax is an enemy of the consumer.

I was able to put security freezes on my XXXX and XXXX  with no issues, and within 5 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I co-signed a college loan for my son 's first two semesters at XXXX XXXX University at XXXX  in the summer of 2006 when he was XXXX. Apparently, the law then required that we transfer that loan to a private bank. We chose XXXX out of XXXX, Pa. After that, his FAFSA loans were not re-financed by private banks but were kept as government loans. So ... .when he died of a XXXX XXXX in the spring of his junior year in college at XXXX XXXX in West Virginia , his sophomore and junior year loans financed by the government were forgiven. However, this loan that I was forced to transfer to XXXX, was not forgiven and was transferred to Navient. I am XXXX, a former XXXX XXXX, and have dutifully been paying on this loan now for 11 years. I have written to Navient and sent death certificate to Navient but have heard nothing. I have called twice and been told that, unless I die, this loan can not be forgiven. This feels extremely unfair to me. I continue to owe XXXX dollars for my dead son 's education even though I have continued to pay for all these years. Is there a lawsuit I can join or something else I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.

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 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank lowered my credit limit after I made a large payment and now I'm not able to pay bills that I would have been able to make under my original credit limit. They only sent me an email the day they decreased my limit. I believe they lowered my credit limit so they could limit my cash back rewards that were part of the card. I have always paid the bill on time or within 30 days of due date.

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 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) Allocation Martial Properties XXXX  XXXX  and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from 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 2019-07-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX   partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX  ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from 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 2019-07-30 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: CA

Complaint narrative:
In response to the XXXX data breach, I'm now freezing my credit and activating fraud alerts through the top reporting agencies : XXXX, Experian, and XXXX.

I have succeeded in freezing my credit with Experian. However, for no stated reason, they will not allow me to activate alerts online. Instead Experian requires I send a letter requesting fraud alerts filled out and mailed to them.

This is an inexcusable level of service. It is excessively onerous to ask everyone trying to protect themselves from the endless data breaches due to lax corporate security measures to mail in requests. And possibly an intentional deterrent on Experian 's part. Online account management is crucial for people to be able to monitor their credit through these agencies.

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