vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting capital one they were no help I just want it removed from my history because it wasnt my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
i have no health insurance i was sick i went to XXXX XXXX hopsital XXXX il in XXXX FOR 2 HOURS AFTER 2 HOURS I WAS RELASED FROM XXXX XXXX HOSPITAL XXXX ROOM, THEY SENT ME BILL FOR {$1500.00} I PAID {$500.00} NOW THEY ARE ASKING MORE SENT TO COLLECTION AGENCY TO DESTROY MY LIFE I NEED LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, Someone from a forum offered me to a pair of shoes for {$400.00}, I sent {$200.00} to the person via XXXX using my Wells fargo checking account as initial payment, and I will pay the rest once I have the valid tracking number for the shipment in the afternoon. That person told me that the package has been dropped off at UPS. I checked the tracking online, but nothing shown up yet, the person told me to wait for one day. so on XX/XX/18, I checked the tracking number online again, nothing shown up either, so I figured out that the tracking number was fake, it was a scam. and I tried to contact the person, but he never answer my text message or any contacts. I called my bank which is the Walls Fargo to stop the payment, and their representative informed me that the payment can not be stopped because it was finalized already. I told him that I was got scammed, needs to stop the payment to protect myself. he refused and said nothing they can do at this point. I was very frastrated, and asked Wells Fargo agent at least twice about XXXX  transfer, he told me that I will not get my money back. the bank disconnected the call.

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
. I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened on-line, on the Citibank website promotion offer page, a new packaged checking and savings account with Citibank on XX/XX/2018 using their {$400.00} promo offer. I deposited the required {$15000.00}, new money from a new customer, across the two accounts at a branch on XX/XX/2018. Their requirement to receive the {$400.00} was to maintain that balance for a minimum of 60 Days. After that they would deposit the {$400.00} into your account within 90 days. I maintained the balance of {$15000.00} from XX/XX/XXXX till XX/XX/XXXX, a total of 72 days. I then withdrew {$5000.00} from the accounts, leaving a balance of + {$100000.00} to avoid the monthly service fee of {$25.00} for the two account package. The following month, XXXX, they charged my checking account {$25.00} anyway. After 4 phone calls and arguing they finally gave me my {$25.00} back. Only to do the same in XXXX  but this time they took {$25.00} out of each account. I agreed with the checking fee but not the savings account as I had withdrawn money dropping below the {$10000.00}. I did that because I was scared to death of what this bank is capable of doing. The {$25.00} fee was for the packaged accounts not each account. I did get that {$25.00} back. NOW after fulfilling all the requirements to receive the {$400.00} they are refusing to pay me that bonus because " I didn't do a direct deposit. '' THAT WAS NEVER A REQUIREMENT. They make this XXXX  up and lie to avoid paying the money they owe you after you fulfill the terms of the agreement. Three times in one month Citibank has tried to cheat me out of money. I am a senior citizen living on SS and a small pension and this is what they do to their new customers. What has this country come too. I have attached 15 Files proving all of this.

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a financial problem so I ended my account closed to avoid overdraft fees I know Im responsible to bring my account current but I dont get paid for 2 weeks so I asked to close my account and I will pay the XXXX  dollars I owed as soon as I got paid because I couldnt cancel my automatic payments until I put a new checking account they refused to close it and are charging me XXXX daily for overdraft fees that same company keeps trying to charge I tried speaking to costumer service they dont care to help me

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 2018-09-26 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: AES/PHEAA
State: GA

Complaint narrative:
Many times delayed that is being reported on my credit report appears to be inacurate and or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Volvo Car Financial Services U.S., LLC
State: IL

Complaint narrative:
I have a loan with VOLVO CAR FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and VOLVO CAR FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few months ago, around XX/XX/2018, the amount of {$1900.00} was taken from my Bank of America checking account. It was through 2 separate transactions, one of {$400.00} and other of {$1500.00}. Bank of America claims that Im responsible for these transactions since apparently my debit card and pin were used for them. I did not make those transactions, I did not take that money out of the account, I did not use that money!!! I needed that money to pay my bills, which are all set up for autopay so there would be no reason for me withdrawing that money!! I have no history of defaulting payments, nor bankruptcy, nor anything! There are many things that couldve happen in this case, like the people that I used to share the house with back then having access to all of my personal information and belongings. I no longer have contact with them since I moved out of the house when some of my stuff went missing. I was also thinking that maybe the card couldve got cloned, so I canceled it and ordered a new one just in case. I honestly dont know why or how this happened to me, I dont know what else to do to prove that this wasnt me. The bank requires documents proving my innocence, but there is no such thing! How to you prove through documents that you got robbed?? I have no idea! Please help me, thank you

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I haven't been able to find my debit card, my cell phone or my wallet since my house warming party on the XX/XX/18. Back on XX/XX/18 I deposited {$400.00} into my account before the party and I haven't been able to find the card since then.

I think someone at the party took it because they knew the pin, which is both the password to my phone and my gate code.

I have several charges to my card that I did not make : - XX/XX/2018 for -XXXX XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX   XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX XXXX XXXX   PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX   WITHDRWL XXXX XXXX XXXX XXXX FL I have called my bank several times but they have me on hold for hours and I never get to speak to anyone its crazy!

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 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I don't know what this charge is for that's on my credit report. Its not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX a debt validation letter was mailed to Security credit services for a debt collection from XXXX XXXX for a debt from XXXX however on my credit report they have the debt as opened in XX/XX/XXXX. They have illegally reaged my debt and have not submitted the validation requested ( contract ) of this debt which is effecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
( 1 ) What happened?

I contacted Experian 's Customer Service on XX/XX/2018, and XX/XX/2018, and requested to be transfered to the Special Dispute For Inquiries. The calls were regarding Experian 's know how, with converting Hard Inquiries into Soft Pulls. I spoke with someone, at Experian, who referred me back to the company that put the Inquiry on my credit report. When I contacted the company they stated that I would have to go back to Experian 's Credit Agency and Dispute the inquiries with them.

The FCRA has a new Law in effect that allows the consumer to request the Credit Bureau to turn the Hard Inquiry into a Soft Pull, this way the consumers credit will not be affected.

I have been back and forth with the Hard Inquiry issue. Experian can either turn the Hard inquiry into a Soft Pull or delete it.

The Hard Inquiry Report Numbers are : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being 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 monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The amount of the debt is wrong. I went to school for one year. They say I owe {$58000.00}. This is wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TX

Complaint narrative:
609a1a of the fair credit reporting act Equifax or XXXX XXXX nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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:
I have submitted a claim against Experian with the attorney general office case number XXXX. This case is in regards to XXXX account # XXXX. For monetary relief from your agency for continuing to report this account verified with no bases or proof.

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 2018-09-26 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
Nelson & Kennard filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of id theft. the account information in the credit report has been resolved but incorrect name continues to report after several disputes, conversations and presentation of documents to support my correct name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I bought items on XXXX and paid {$13.00} via XXXX. I charged this to my XXXX Visa credit card. When I received my Visa bill, there was a fee I paid XXXX of 1 % for Foreign Transfer Fee. I called XXXX and asked what is was for. They said that it was Foreign Transaction fee. I asked them who got the {$0.00} fee and they admitted that they did. So they got the money. They said the charges came through XXXX XXXX. 

The Vendor I bought it from shows on XXXX to be in Kentucky. The first stop for the package was ( XXXX ) " XX/XX/2018 Origin Scan XXXX XXXX , OH '' and I got the package on XX/XX/XXXX in XXXX ( Fl ). As far as I can see the item was in the US ; the company was in the US, I am in the US, XXXX is in the US, and XXXX is in the US. I think this is a bogus charge and clearly I never authorized it nor was I ever informed of it. 

XXXX Credit Card Issued by XXXX XXXX XXXX XXXX Cardmember Services XXXX XXXX XXXX XXXX XXXX Mo 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 monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
On XX/XX/2018. I contacted Halsted Financial Services, LLC at XXXX regarding a collection letter sent on behalf of XXXX XXXX XXXX dated XX/XX/2018. I spoke to XXXX XXXX, and asked him did he receive my dispute and request for validation sent by fax. He stated that he received it on XX/XX/2018. Then he informed me that once they receive a dispute they send it back to XXXX XXXX XXXX and close out the account as under dispute. He said that he sent the letter to XXXX XXXX XXXX on XX/XX/2018 asking them to follow up on the dispute.

XXXX XXXX XXXX whom Halsted Financial Services, LLC had as a client, without validating the account placed it as a collection item on XX/XX/2018 only 7 days later while in dispute. Therefore, violating my consumer rights to dispute the validity of a debt within 30 days in writing and obtain documents relating to the dispute.

In addition, having a Fraud Alert on my account on all 3 Credit Bureaus, I have the right to obtain documents for validity of this debt from a debt collector. It was not given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have a address I want removed from my check systems report. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.

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