vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IL

Complaint narrative:
All of this information pertains to an account at U.S. Bank and in XXXX I was made a joint account holder with my elderly parent on their U.S. Bank bank account. In XXXX at or about XXXX, right after both parents passed away, my parents were removed and my brother was added to the account as a joint account holder to complete execution of their estate. At some time in or around XX/XX/XXXX/XX/XX/XXXX someone took at a line of credit, similar to a credit card, against this account. In XXXX, after the account had remained empty for some time, I called to close the account only to discover that the line of credit had been taken out and was in arrears. After this closure U.S. Bank sent me the first bank statement for this account in several years. U.S. Bank closed the account and placed it with credit bureau a month later. In speaking with the bank they stated that the line of credit would have required both account holder to sign an additional document in order to initiate the credit beyond normal signature cards for opening an account. In disputing the negative information with the credit bureaus their response was that U.S. Bank stated it was valid however, I've filed a police report stating I've not signed any document related to a line of credit, only the signature card as I was added to the account in or about 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 2019-01-08 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I request a payment extension, for XX/XX/XXXX and XX/XX/XXXX and they granted. It shows XX/XX/2018 30 days past Due. When I was under the extension for those months. XX/XX/XXXX, XX/XX/XXXX. And pay in XX/XX/2018, which I paid, and also paid XXXX for the extension. Please I need your help.I would really appreciated. I need that past due to remove. It shows in the others credit bureau. Thankyou.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I have disputed a XXXX  ER Bill after a minor car accident XX/XX/XXXX. XXXX claimed XXXX denied the claim and XXXX refused to resubmit to include additional detail. 

I paid the debt in full, {$480.00}, to Renton Collections by check XX/XX/XXXX. The collector assured me that a receipt would be mailed upon receipt of the payment. The check has been processed. 

I need that receipt in order to file an appeal with XXXX XXXX Medicare. As of today XX/XX/XXXX, I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive made contact with Expiran, XXXX  and XXXX  and investigations are in place. Expiran refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is 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 2019-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: CA

Complaint narrative:
On XX/XX/XXXX, I was enrolled in what I now understand is a scam being perpetuated by Premier Student Loan Center related to federal student loan consolidation and enrollment in repayment plan. Premier Student Loan Center charged me {$240.00} for 4 months ( XX/XX/XXXX- XX/XX/XXXX ) for " enrollment fees '' and has since been charging me {$30.00} per month in re-occurring fees.  The services they provided are all services which I could have received for free and Premier Student Loan Center continues to scam borrowers into paying additional fees by telling consumers that additional repayment plans are available through them. In addition, Premier Student Loan Center gave my loan servicer a false email address for me and it also requested sensitive data, including my FSA information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive made contact with XXXX, XXXX  and TransUnion and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive made contact with XXXX, Equifax and XXXX  and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, On XX/XX/2017 I tried to log into my wells fargo account. To my knowledge nothing had changed with my password or account name. The company deleted my password without informing me. They claim they updated there computer system and wiped out millions of user passwords. They never informed me by email or conventional mail or even in my bill. Most companies when they do this have a massive data breech and fail to inform there customers. The law is N.Y. Gen. Bus. Law 899-AA, N.Y. State Tech. Law 208.  I asked if this happened and they won't tell me. Can you please find out, My data is important to me and I want to be informed like the law states when Wells Fargo has one. The last data breech that they had thru a web search was on XX/XX/2017 was the size of 1.4 gb of data. I was never informed then either. So please help me find out if they are not telling me about a data breach of there system which might contain my personal information.

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 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is  what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The checking account I have is with J.P Chase Morgan Bank. Here is a timeline of what exactly has happened over the past few weeks. 
XX/XX/XXXX around XXXX - I had arrived at the XXXX train station in downtown XXXX . I had a decent amount of cash on me and I saw a Chase ATM so I decided to deposit it into my account since I don't normally carry cash on me. I walk up to the ATM, take out the cash from my wallet, and the proceed to count it to make sure the ATM would correctly count it as well. I confirm it is XXXX dollars. I then proceed to insert the money into the ATM. I can hear it counting it from the outside and then the ATM displays the amount asking if it is correct. I look and see that it is, so I hit confirm. After I hit confirm, the screen displays the message " I'm sorry but this ATM is no longer in use, please remove card ''. It releases my card and I take it out. Waiting there for my money to get sent back out, it doesn't. I wait about 2 or 3 minutes and then begin to panic because that was all of the money I had. I go on my phone to check my account to see if it was deposited and I still only had XXXX dollars in it. I got no receipt and an ATM had stolen my money. I then scan the ATM for a number to call which was the service number. I call immediately to let them know. I filed a claim and was then told it would take up to 14 business days to even get a credit for the money that their faulty machine stole. 
XX/XX/XXXX - I had finally received the credit of XXXX dollars into my account. 
XX/XX/XXXX - I receive a letter in the mail stating that my claim was closed and that there was no money deposited from me at that ATM that day. Furious, I call the number on the letter asking why. Basically was accused of lying. I then asked if they looked at the cameras on the ATM because it would show me clear as day counting money, depositing it, and then freaking out after it stole it. I was told they don't look into ATM videos for claims and that I would need to subpoena the video in court. So now it is XX/XX/XXXX and they are soon about to yet again steal XXXX dollars from me all because they can't click a few buttons and watch a video. I will also have to hire a lawyer and take this to small claims court to get what was rightfully mine in the first place. This is theft and stress that I shouldn't even have. I have bills to pay and money is not something to be played with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
There were a lot of citizens bank account opened fradulent in my name. I have tried to fix this because this is reported to both XXXX XXXX XXXX as well as XXXX. I did not authorize for any accounts to be open with a online bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted Wells Fargo where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on XXXX, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Open an account with Fulton Bank couple years back. In order for the account to be closed all fees was paid. XXXX XXXX shows I owe XXXX dollars. All fees were satisfied prior to closing account

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2017 regarding the company HP Sears reporting inaccurate information to the 3 major credit bureaus. The complaint number is XXXX. 
The company responded the following on XX/XX/2017 : Our records indicate that substantiation of the debt was mailed to you XX/XX/2017. On XX/XX/2017 our client close your account with our office do to non payment of the debt. We sent all three credit bureaus instruction to delete this matter from your credit history on XX/XX/2017. We have verified with XXXX that this is not on your credit history any longer. If you have ran your credit report and this item still remains please contact our office for further assistance with the removal. 

The reporting has since returned back to my credit file with the credit bureaus. 
I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.

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 2019-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying for almost three years to have XXXX XXXX XXXX and/or Experian remove this information from my credit report. XXXX XXXX XXXX does not list correct contact information at Experian. It appears through an internet search that both Experian and XXXX XXXX   XXXX have been aware of this issue for years and done nothing, even in response to prior CFPB complaints about XXXX listing this very PO Box in error, or deliberately. In the attachment, please see the Experian report dated ten days ago listing XXXX 's address. Compare that with the US Postal Service rejection letter saying that the XXXX XXXX XXXX " moved and left no forwarding address ''. Now compare that with a letter to XXXX XXXX XXXX provided to me through contacting another aggrieved Experian Customer that also wrote to this address and had the dispute letter returned ... date XX/XX/2016. That person also complained to XXXX and the CFPB about this particular address being incorrect. This is willful negligence on the part of Experian and this is actionable .... possibly class action. Experian, please ask your counsel XXXX XXXX for their opinion before a lawsuit gets filed.

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 2019-01-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted XXXX XXXX where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on Experian, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.

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 2019-01-08 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: TX

Complaint narrative:
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else 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 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient was satisfied in full and paid timely. However, currently reporting five-30 day late payments. spoke to a rep that confirmed that this should not be the case. apparently, their was some inaccurate XXXX dollar charge.

Company response to consumer: Closed with explanation