vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We called twice first asking them to reverse the money and they did reversed it for {$140.00} and then it came charging me the same amount same day. I told them I did not authorize that charge. Never did I ever would do that to authorize twice.

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 2018-07-14 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: IL

Complaint narrative:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: GA

Complaint narrative:
XXXX refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then XXXX  should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and Equifax is reporting 6 unauthorized hard inquiries and refuse to remove them also ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: IL

Complaint narrative:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

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 2018-07-14 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: IL

Complaint narrative:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX  ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX left my checks on the door step not knowing I'm already going through identity thief and I had someone there to receive the package the delivery guy left it on the door step without knocking on 4th e door at ALL and now someone done cashed my check and they dnt want to give me a refund when I asked from a signature to be signed for IT. I wasit with my fiance for my birthday.

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 2018-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I been having problems for years trying to find out about these student loans. every time i get the company, they sell my loans to other companies and i get lost in this system. The last company told me i owe {$38000.00} for these loans, THIS amount IS WRONG!! So now i'm trying to finally buy my 1st home for my family, but this mess keeps showing up on my credit report. I'm XXXX years old single father with XXXX children i want to leave something to my kids ... a house, but i can't fight these big companies, they are too slick.PLEASE HELP ME AND MY KIDS. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX denied me of myg missing objects n claims knowing I'm going identity thief I never received any big the items I order

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX   and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. 
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
I'm having trouble disputing and removing a collection account on my report. 
On XX/XX/18 I submitted an dispute for Hunter Warfeild via XXXX in the amount of {$3300.00} based on the grounds of Fraud/Not my mine which the finial Result was : Verified As Accurate And will likely stay on my report. 
This is incorrect, I have NEVER opened or had any account with creditor XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is an rental management company that I have NO knowledge of/Rented from/Applied for credit from. 
On XX/XX/18 I sent out the requested official documents which included court documents, medical documents, and government documentation along with my ID to Hunter, Warfeild via email supporting my claim that I was residing in a different state at the time this account was supposedly have been opened. 
This is my official proof that I have no knowledge of this debt. 
On XX/XX/18 I received confirmation that my notice of dispute has been received, However the notice dose not provide enough information. This is incorrect. I submitted OFFICIAL government documentation along with identification. 
I also requested to see any certified/official documentation that supports the claim to this collection account, I was unsuccessful in receiving any documentation which could help me move forward with legal action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was turned away from a wells Fargo branch When executives financial services brand XXXX XXXX and XXXX spoke with the branch

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 2018-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America took it upon themselves to apply money from my checking account that was not there without authorization to apply it to old late charges causing an insufficient fund charge to be applied to the account creating a negative balance.

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 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
late fees have been charged to the account and are the only charges on the account Two previous calls to AMEX I was assured late fees were waived. each time the charges have not been waived and more late fees are assessed against the previous late fee. The third call I cancelled the card and was again assured that all charges were waived and result in a XXXX balance. That call occurred on XX/XX/18. when I cancelled the card I spoke to an on-shore representative and explained the issue. His advice was to speak to a supervisor if the charges were not removed. Once again the charges were not removed and more late fees assessed. I call back to AMEX on XX/XX/18 and asked for a supervisor. I was told the supervisor would call me back in 15 minutes. It has been 4 days and I am now submitting this compliant on XX/XX/18.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. I have a listed the items that once showed they were removed now their back. I tried to speak with a TransUnion representative on XX/XX/2018, trying them know that my credit score alerted me and dropped down inquiries were gone one month and then the next thing I know there back on there. Ive been trying to contact the company but its stating that their closed even when their time says their open, I even called today which is XX/XX/2018 it says their closed and im highly frustrated at this point. So it seems like no one is trying to help and seems like that there's been some activity with my TransUnion reports inquiries that are being misused cause they showed back up. I never received any information as in a letter or anything to why I just know when I looked at my credit report which I do only a daily basis, one day everything was wiped out and customer service seems to not want to help my situation with them being back on there and this is affecting my credit score. 

The inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the item be removed to correct the information of being deleted.

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 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Hello CFPB, I check my Bank of America checking account balance every day and every night before I go to sleep to make sure I have a positive balance on the account. 

The evening of Thursday XX/XX/XXXX I had a positive account balance. On Friday morning XX/XX/XXXX I woke up to find I still had a positive balance, but Bank of America had retroactively debited a check I wrote from my account and manipulated my account balance to let three transactions go through ( while the account was temporarily in the negative ) in order for the bank to generate overdraft fees and an NSF fee. I went to sleep with a positive balance on Thursday XX/XX/XXXX and woke up with a positive balance on XX/XX/XXXX ( minus the {$150.00} in fees the bank had charged my account ). 

I feel cheated and defrauded by Bank of America. Bank of America used deceptive and manipulative business practices in order to maximize fee income for the bank at the detriment of the customer.

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 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Freedom Financial Services, LLC
State: MS

Complaint narrative:
I received a call on Saturday, XX/XX/2018 about a debt I do owe. I set up payment plans with them and told her she could debit my bank account on Friday, XX/XX/2018 and then weekly at {$20.00} a week until the debt was paid off. However, she took funds from my account on Thursday, XX/XX/2018 and caused me to overdraft. I received a {$36.00} fee because of her taking the debt on the wrong date. I have tried calling her several times and I have received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TX

Complaint narrative:
XXXX XXXX is reporting a debt on my credit for a contract with XXXX that cancelled in XX/XX/2015 due to financial hardship. The company allowed me to cancel the contract per their policy to consider hardships. I sent in the cancellation letter as requested by the XXXX at the time I needed to cancel. It was received. I was told by a representative the contract would be canceled and i would be released from financial responsibility. Years later, XXXX and XXXX XXXX not honoring the cancellation - it's being reported on my credit. I provided Experian with proof I submitted the cancellation, as well as the company 's policy on reasons for allowing cancellations. XXXX XXXX and experian refuse to remove the debt 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 2018-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My spouse was going to school at XXXX, she was XXXX in a car accident, we had student loans with several lenders, all her loans were forgiven but one,  salle mae said that because i was a co signer i would have to pay in full plus interest, they would not talk about any forgivness, i think this is wrong, if she would have here i would have gladly paid for the loan, this happen in XX/XX/2011 i paid the loan but i want to know how i can get something back .... thank you XXXX ... ... ps they told me because i co signed i had no rights ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: FL

Complaint narrative:
In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: SC

Complaint narrative:
I previously filed complaint XXXX XX/XX/18 against Equifax for not changing the account XXXX XXXX XXXX that was included in my chapter XXXX and charged off with a balance of XXXX. It was corrected and actually removed from my report as requested ; therefore, I withdrew my complaint with your company. As of today XX/XX/18 it has reappeared on my credit report and my score has dropped once again. I want Equifax to permanently remove XXXX XXXX XXXX from my credit report. My next step is to contact my bankruptcy attorney as I know legal action can be taken.

Company response to consumer: Closed with explanation