vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: NC

Complaint narrative:
I normally monitor my credit through   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and now   XXXX   XXXX  . I noticed that there was a social security, address, na me ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,   XXXX   of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have   XXXX   different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from Equifax because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: IL

Complaint narrative:
I have had the same problem occur for the last  two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and Transunion. Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.

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 2017-05-10 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: IL

Complaint narrative:
I have had the same problem occur for the la st two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for Experian and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.

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 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code  (  XXXX  ) , by   XX/XX/XXXX ,  I was required to open any new  LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a  Regions  Visa C heckcard   (  must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ).   {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r  XX/XX/XXXX , o nly applies to personal  LifeGreen checking acc ounts To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued.   All  LifeGreen checking acc ounts require a {$50.00} minimum opening deposit.   The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts.   For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6  %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient.   Regions associates are not eligible.     I opened my account on   XX/XX/XXXX ,  and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address.     Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed.     I requested the time frame be reset so i could complete the promotional terms. I was told no.     I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.

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 2017-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On   XXXX   XXXX   XXXX   I discovered a Chapter  XXXX  Bankruptcy had been re-inserted into my credit file by Equifax. This item was previously deleted on or around   XXXX   XXXX  . The credit bureaus are required to notify me withi n five ( 5 )  days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an Equifax representative name  XXXX  today, she stated it was reinserted from a notification they received from  XXXX . This makes perfect sense because I recently file a complaint about  XXXX  on   XXXX  . She also stated that the item is in dispute based on the information that   XXXX   sent to them. This is very concerning to me, for one how can they report something based on  XXXX  & furthermore, put it in dispute based off that same notification? I never gave   XXXX    permission nor authorization to share or furnish my information with anyone especially another bureau. Both Equifax  &    XXXX    have violated the FCRA & upon checking their website to view my report, it states this information was furnished by   XXXX   XXXX   ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from Equifax dated   XXXX   XXXX   XXXX   in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that Equifax please delete this item immediately &  XXXX  refrain from sharing any of my information with other bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting two addresses that belong to me.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  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 2017-05-10 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: DISCOVER BANK
State: PA

Complaint narrative:
I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 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: NC

Complaint narrative:
I normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, 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 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a vehicle fleet card program with  FleetCor.  They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove.     In   XXXX   XXXX     customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills.     These fees continued to accumulate and reached in excess of {$1000.00} by the end of  XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}.     I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived.     I Called in  XXXX . I was on hold for over an HOUR --  Yes  over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on.     So I called in  XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to  XXXX , their competitor.     I find  FleetCor  's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.

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 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am an existing customer  of Chase. I have received numerous solicitations to apply for several of Chase 's  co branded credit cards. On  XXXX   XXXX , I applied for a  XXXX   XXXX   XXXX  card via their website. My application was sent to pending status and later denied. Upon calling,  Chase in formed me that I was over the limit for number of cards within a  XXXX  year period. I asked to have the decision reviewed because I was being targeted with numerous offers on an almost weekly basis fo r Chase  products. An executive escalation was started and I received a follow up call on  XXXX  that their decision stood. I expressed my disappointment with their decision an d Chase offe red  XXXX  ultimate rewards points as a courtesy. He explained that marketing offers and approvals would not correlate despite the fact I was an existing customer. I requested to have the hard inquiry on my credit report removed and was denied. I informed that representative I spoke with that I intended to file a complaint with the CFPB and he responded that while that was my right, it could not change circumstances nor would my complaint have any bearing.     I believ e Chase has acted in b ad faith, soliciting applications for a product they knew they were never going to provide me and creating a negative impact to my  credit score. I have never been late on a payment with Chase  or any other creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX  - Extension  XXXX  -  Resolution Specialist - Solutions Center  - Nelnet  XXXX  refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number.      XXXX  stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims.     This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet.      XXXX  was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.

Company response to consumer: Closed with explanation