vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 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:
On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX XXXX of XXXX XXXX. He emailed me setting up an interview with XXXX XXXX XXXX of XXXX XXXX  for a graphic design position. XX/XX/XXXX I was contacted and interviewed by someone claiming to be XXXX XXXX XXXX of XXXXXXXX XXXXI. On XX/XX/XXXX I received an employment offer letter containing compensation details and benefit details. XX/XX/XXXX I received a check from them for the amount of {$6900.00} that I was told to deposit and was to be used for training and equipment. On XX/XX/XXXX the check appeared to have cleared and the money was in my account. XXXXXXXX XXXXI then provided a contact phone number to be able to get in touch with the instructor. Then XXXX XXXX XXXX ( or her impersonator ) asked me to make the funds available to the instructor by depositing then into their vendor account. I did this in good faith. Friday XX/XX/XXXX I checked my account and only to find it overdrawn by {$4500.00}. It was overdrawn by that amount because {$2400.00} of my own money was in the account and Wells Fargo used that to cover the loss. Immediately on discovering this I went into a Wells Fargo branch and explained the situation. They seemed to be aware that these types of scams are common they seemed to understand exactly what happened, how it happened, and that I was the victim and not the perpetrator, and are still holding me accountable for the funds. My complaint is that if they are a federally insured institution and wouldn't lose money on a claim like this why hold me responsible? I was even willing to make payments on this amount since I was the one defrauded but they are unwilling to work with me in any way.

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Online Collections is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. Online collections is in clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
I received a Collection notice from Professional Account Services , Inc. for a hospital bill in XX/XX/2018. I explained that I have contacted the hospital many times about the fact that my insurance company stated I reached my max out-of-pocket amount in XX/XX/2018. Therefore, I was advised to inform the hospital to bill the insurance company directly. Despite the fact that I have advised the hospital verbally and in writing to bill the insurance company, the hospital nonetheless sent the account to Collections. 

The Collections agent told me I need to clear it up with the hospital, but when I told her I've already tried many times yet they still sent it to Collections, she told me that's my problem. I asked why they don't contact the hospital ( their Customer ) and she said they don't do that. I let her know that if I am contact by Collections again, I will consider it harassment and make a complaint. She said she will just block my call. 

I have not had experience with Collection Agents, but this woman fit the stereotype I've seen in movies and television.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. N.Y. XXXX XXXX Consumer Financial Protection Bureau Re : American Express Asked to close and XXXX out balance on Account ending in XXXX To Whom It may Concern On XX/XX/XXXX I XXXX XXXX called American Express, and told them that I was not the owner of the corporate account XXXX XXXX XXXX. Which held my name in one of its credit cards in the past. I had mentioned to the person that the company had closed.Individual stated the call would be recorded I also stated to the individual to give me the balance on the card which I would pay the amount off and to close the last six digits of account XXXX. The American Express Employee told me the total was XXXX which was drawn from my personal checking account at the time of closing the account XX/XX/XXXX with my permission to ( XXXX ) XXXX out the account balance. Which never occurred. 
I received a letter from American Express dated XX/XX/XXXX notifying me of the account being closed see attached. 
I received several past due notices and I called American Express on XX/XX/XXXXspoke initially to XXXX, explaining at the time of closing the account all payments were made. She stood firm in saying that the bill was outstanding and that their was nothing she could do. I asked to speak to her supervisor, Hence the conversation with Supervisor XXXX. These two individuals would not look into the matter to rectify the error made by American Express employee on a recorded line. 
No one would review the recording that was made on the day of my conversation with the person that closed the account, and on/or about XX/XX/XXXX an ACH amount of XXXX was withdrawn on my personal bank account by American Express. 
I received a letter dated XX/XX/XXXX from American Express that I had a past due on this same card of {$84.00} and total due at this time was {$150.00}. This notice shows a ( {$0.00} ) difference in amount charged by American Express Employee on XX/XX/XXXX. As the account was closed earlier there should not have been any past due amounts. Company error has created this fiasco. 
As time has gone by American Express has removed the Companies name from there billing and have assigned the account to me with out my authorization. This is surely a violation of my rights and Financial law.Please see attachments. 
Confirmation letter closing act ending in XXXX dated XX/XX/XXXX removal of corporate name as well Bank statement showing ach withdrawal by American Express on XX/XX/XXXX Letter dated XX/XX/XXXX with past due amount. With corporate name The company has authorized collectors to call my home on Sundays at XXXX in the morning continue harassment and ruining my credit has forced me to take these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to buy an item from this person named XXXX XXXX. And I sent him the money on XX/XX/2019 and he didnt give me the merchandise that I was supposed to get for the price of {$27.00}. And after that I went to PayPal but they denied my claim so I did not get my money back.

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

Complaint narrative:
I arranged payment in full on my Chase XXXX card for payment on XX/XX/2019. They charged me interest of {$43.00} on XX/XX/2019 and didn't post my payment till XX/XX/2019. I called customer service And the c/s rep refused to remove the interest charge. I sent email messages to Chase three times, and again was told they would mot remove the interest fee. 
They just said this is their policy. I feel this is not Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I was a customer of XXXX on a month to month basis and when I moved and cancelled my service I was charged {$140.00} for contract termination. I did not have a contract and did not sign any document stating as such. XXXX has reported the debt as delinquent and sent to a collection agency. I am not paying for a cancellation fee for a contract I never signed or had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Live Well Financial, Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX, XXXX, I work for XXXX XXXX XXXX  out of XXXX, WA. On XX/XX/2019, I secured financing for my clients through LiveWell Financial ( loan ID # XXXX ) for a purchase mortgage, locked the interest rate at 3.625 % on a 30 yr fixed rate and submitted the documentation for loan approval. 
On XX/XX/XXXX I received an email from this company confirming they were ceasing operations and that our borrower had to obtain financing elsewhere. The locked interest rate of 3.625 % was no longer available. 
Please see signed disclosures, particularly the lock agreement ( page 28 of 60 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this Qualified Written Request whereby I am formally requesting a copy of the Truth in Lending Disclosure from the XX/XX/2008 closing. Thank you - 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 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.

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 2019-05-07 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2019, my credit score decreased by 89 points after I had an inquiry from SYNCB, which after a little research, I found out is short for Synchrony Bank from XXXX Florida. They do not answer your calls and do not get back to you whatsoever. 

It even says on their website that if you think theyve mistakenly reported your credit information to write them at their address, but after a little digging, it seems nobody who has this issue gets a response from them

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 2019-05-07 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM 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 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 American express abruptly shut down down my account and to date has not provided specific information as to why they shut it down. 
I was told only in general terms '' " because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I have asked them a number of times on the phone, via fax, and via chat for the specific transaction that they feel was not used for its intended purpose and they refuse to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Please refer to my previous cfpb complaint ... I have still not received my refund check of {$180.00}. They say they mailed it to my previous address at XXXX XXXX XXXX but I still lived there until 2 weeks ago so it should have been received. When I called yesterday concerning it I was transferred 4 times before I was ultimately hung up on. I want my money as fast as possible. I need the money and have needed it for weeks now. If it can be ACH back to my account please do so. My new address isXXXX XXXX XXXX , XXXX Ohio XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a payment due in the beginning of XX/XX/XXXX to XXXX XXXX XXXX   and reached out to employee XXXX at the XXXX XXXX location to explain I was going through a financial hardship due to a death in the family and sick elderly parent and said I needed to make other payment arrangements and would pay at a later date. I also revoked ACH/Debit authorization from my bank account. She told me she notated my account and then they still debited my account on XX/XX/XXXX and caused me an overdraft fee. I then spoke to district manager, Mr. XXXX and he said he would refund the fee from my next payment. I have not been able to pay yet and they again debited my account on XX/XX/XXXX without my authorization. I need this money refunded as they are continuing to debit my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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 XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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:
It's not my accounts, i was victim of identity theft, somebody stole my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
I have been working with Caliber Home Loans very closely for months. Every single time I call Caliber I am given different information and then the rep says I am sorry you were misinformed. This is unacceptable. I want the calls reviewed that are recorded for quality assurance. These are not quality calls if the consumer is constantly being told something different. Most recently I was told that I had funds sitting in an unapplied cash account that would be applied to my first payment of my new loan modification once my paperwork was received. In the meantime part of the money was applied to the loan. This is not what the rep I spoke with told me would happen. Why do all of your reps give a different story? 

Additionally - everytime Caliber sends out documents they are never received. All other mail is delivered except for Caliber documents. One of you reps even said " we hear that a lot, we dont know what USPS is doing with the documents ''. This is unacceptable from a company that is managing such large assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I, XXXX XXXX XXXX WAS CHARGED {$2800.00} ON XX/XX/2010 BY A COMPANY CALLED XXXX XXXX. THIS COMPANY TOOK ADVANTAGE OF ME AND DID NOTHING AT ALL FOR ME.. I TRIED TO REPORT THIS CHARGE AS FRAUD WITH MY CREDIT CARD COMPANY. THEY REFUSED BECAUSE IT WAS 9 YEARS AGO.

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 2019-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We were moving across state, and needed to access our savings account. We went over our 6 transfers, and got assessed a XXXX dollar fee, however, we did the 7th in branch and said they would cover the fee, however not only did they not do that, they gave a non sufficient funds fee asseed because we had to withdraw our money to cover unforeseen expenses. So, they gave us a few, and a NSF fee as well. A double threat, and their response was to refund half, instead of refund the NSF fee, and we would've been fine paying the excessive use fee. At this point it's simply principle. Also, wells Fargo is notorious for doing shady things anyways.

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 2019-05-07 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: NV

Complaint narrative:
I had disputed several accounts posted by XXXX , XXXX collection agency in my Transunion files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but Transunion continue to report accounts thatre not mine. 
XXXX , XXXX is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both TransUnion and XXXX , XXXX. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to XXXX , XXXX I was never notified of any collections by XXXX , XXXX or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that XXXX , XXXX had posted these negatives accounts on my credit report I disputed these accounts with TransUnion and I requested debt validations directly thru XXXX , XXXX. 
XXXX , XXXX had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that TransUnion favor they paid clients and really dont want to upset by requesting full verification from XXXX , XXXX. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that TransUnion had shown over the dispute process and collection agencies like XXXX , XXXX that reports inaccurate information without any consequences due to the loop holes in the laws.

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 2019-05-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
fcra et al - right to add personal statement! 

For more than 2 years - literally! For more than 2 years - I have been trying to add a Personal Statement to my Experian credit report! 

They keep giving me run-around & stalling! 

Don't they know that they are supposed to allow customers to add those statements? 

Another thing - for months now - I have been a paying customer of Experian! 

And Experian wouldn't even do some of the things that they are supposed to do for the free customers! 


__

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