vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/2019, a withdrawal was made from my checking account in the amount of {$140.00}. The person who signed for the withdrawal in the bank, is not, and has never been, listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2019, ,Went To One Of The Branches In XXXX XXXX NC , ,XXXX,, ( Down Town On XXXX XXXX, ,Try To Make A Transition To Receive A Cash Withdrawal Of XXXX XXXX My Card Was Declined ( Note ) I Do Have Overdraft Protection On My Bank Card , ,This Problem Have Happened Several Times Before, ,I Called One Of The Bankers And, Asked He What Happened, He Said Sometimes Through Overdraft Protection The Banker Would Let You Receive Cash And Sometimes They Don't, ,I Just Don't Understand this Problem That Keep Happening, ,Now I Do Have A ( _ {$200.00} ) Balance Right Now, ,But The Bank, ,Been Letting Me. Get Cash And Now My Bank Card Was Declined, ,That Is So UnAcceptable, ,If I Have This Service Feature On My Card I Should Be Able To Use It To My Discretion Too?

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
Franklin Collection services have placed a collection debt on my credit report with XXXX XXXX and XXXX for XXXX XXXX. 
when I spoke with them I asked them to provide proof they told me to contact XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: CL Holdings LLC
State: KS

Complaint narrative:
XX/XX/2016 jefferson capitol for XXXX XXXX. {$300.00}. I applied for service on their website but was denied, and now they are treating me like I had service and didn't pay my bill. This was so long ago I have no supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX I voluntary repossession to this creditor resulted in the car being sold far below market value the value I owed with interest is about {$12000.00} they sold the car at auction for {$800.00} they had my new address failed to inform me of any details or options

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have tried to freeze my accounty with Experian, but their web page is still not working, get error message stating to mail them request Here is copy of message : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 
Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security number : Date of birth : XX/XX/XXXX I requested to temporary lift the freeze, but to put it back on by XX/XX/XXXX yet I am unabel to do this online, I entered the pin they assigned me but still has this message, I have a right to freeze my account online, & I did mail them about 2 years ago the request via certified mail & have complaint before, they still do not honor my request to put freeze back on. 

I tried calling all the number they have yet only get a busy signal or machine only unable to get thru to a human

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 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
Compass bank aggressively offered a line of credit/ loan. I did make close to four payments maybe more. Late XXXX into early XXXX. Did seek a debt reduction program, which compass has not worked with. I feel the finance charges of XXXX are not in line with the payment of XXXX which is fifty percent less then the interest! I. Have suffered a XXXX and not able to work at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have targeted offers about this wells fargo Propel Card in XXXX XXXX. My credit score is more than 800 and never had a default. 
But still i am being denied the credit card. There were no errors or false data in my application. When i called the toll free # - i was told that i have too much credit already for me. it's a weird reason. 

why wells fargo is targeting me by showing these kind of offers ( with very high odds of approval ) and then denying 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 explanation
Consumer complaint received 2019-06-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by THD/CBNA of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX and XXXX   credit report XX/XX/XXXX related to that application. A formal dispute of this information was submitted to THD/CBNA XX/XX/XXXX. An XXXX credit report obtained XX/XX/XXXX shows this fraudulent related inquiry still being reported. Per FCRA guidelines, once an item is noted as fraudulent the item is to be either suppressed or removed from the credit report ( s ). This is a violation of the FCRA and my clients consumer rights.

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 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We recently had a credit of {$1700.00} in XXXX which was reposted back to our our account after it was previously deducted back out of our account due to a 3rd party vendor fraudulent charge on our account which caused us {$340.00} in fees since XX/XX/XXXX and was told that overdraft fees would be reversed back into our account, once the credit or {$1700.00} reposted back to our account. Had those monies been in our account we would not have incurred the fees and we are requesting a refund of {$340.00} in fees which were charged to our account during the period of time the {$1700.00} it was deducted and also reported the issue to Customer Service over the phone and via their Customer Service Portal and was informed in their email message that they could not help or did not have insight to our claim. 

This is not true. Wells Fargo Claims and Customer Service Reps did not make a concerted effort to help us resolve this matter and are reaching out to CFPB to help us with this matter. Also, we experienced some retailiation from the Wells Fargo Claims or Banking Department since we filed a couple of compliants with CFPB regarding the {$1700.00} which was previously taken back out of our account, although they were provided with proper documentation. We have since experienced retaliation in being able to utilize the overdraft protection program which we have affiliated with this card. Also, they rejected a Utilities Bill payment which came through for {$50.00} and believe this was done intentionally as a result of us previously reporting Wells Fargo on several occasions regarding the {$1700.00} debit matter. Also, they have restricted the card with being able to get cash back which was also previously part of the Overdraft Protection plan as well. We are now being punished and retailiated against because reported them and can not fully utilize the Premium benefits associated with my Checking account. This is very ruthless and discriminatory behavior as well.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I contacted National Credit Systems with both bureau disputes and a direct furnisher letter. NCS validated the bureau disputes, but never responded to my direct furnisher letter asking for itemized breakdown of all charges that amount to {$4400.00} reported on my credit. 

I also mailed a letter to apartment owner, no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I fell behind in my payments and made a payment arrangement where I was making payments on time. Best Buy charged off the account and sent the account to a collection agency known as XXXX even though I was making regular payments. The charge off is hurting my credit and the wrong amount is being reported. I have been and is still making regular payments.

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 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX XXXX XXXX THE FIRM PREVIOUSLY known as XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past 6-9mos I have made numerous call and send email to to the student email and and phone number to However I have not gotten any response response XXXX nor have i gotten an confirmation email or phone confirmation when I send information I finally spoke some in loans servicing who was kind enough to give her email so we could correspondence.. 

I show that you were my Student Loan Lender and Servicer during the XXXX until 2003 when consolidation occurred. 
I would like to know the following : 1. The reason for the consolidation in 2003 as the consolidation was your suggestion. 
Its my understanding that XXXX XXXX is the lender of record and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Guarantor, Loan Servicing was transferred to XXXX XXXX XXXX ( XXXX ) in 2003, American Education Services ( AES ) is the current Loan Services. 
The 2003 Consolidated Promissory Note list Student loan Consolidation Center as the Guarantor /Lender and 3 different lenders as follows : a. XXXX @ {$41000.00} XXXX XXXX @ {$20000.00} - ( can you please tell me who the lender is as I dont recognize the name ) XXXX XXXX XXXX @ {$7800.00} Please note that I was instructed to list the above lenders and amounts by you and or the consolidator who received said information from you Im requesting to know how many loans are encompassed under each lender and the following information for each individual loan. 
1 ) Original Lender 2 ) Type of Loan ( Private or other please indicate ) 3 ) Disbursement Date 4 ) Disbursement amt 5 ) Original Int Rate 6 ) Guarantor 7 ) Consolidating ( CNSLD ) Lender 8 ) CNSLD Date 9 ) Reason for CNSLD The information should be completed on the attached XXXX XXXX. 

Please be advised that AES and XXXX XXXX dont have any of the supporting loans documents or information supporting the 2003 consolidation numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 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: TX

Complaint narrative:
Creditors To Executive Managers, My name is XXXX. This letter is a formal request germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent customer loyalty and on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$2500.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation. I will pay if possible. 

Over the years my credit reports reflect fraudulent inquiries, accounts, debts and suspicious transactions on a consistently - the most recent inXX/XX/2019. As a XXXX vet and XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXXXX/XX/XXXX, my intent is not to obfuscate financial responsibility but show actions and steps taken out of necessity to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. 

My intent is to dispute these inquiries, and negative entries which force me to apply for high interest ( % ) loans. I am working have my name and credit cleared up. And want this letter to serve as a rational to stop debt collectors calls, demand letters and emails. And creditor from reporting late payments and reporting me to the 4 credit reporting agencies ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. My case numbers for the investigating authorities are as follows : Federal Trade Commission Affidavit # XXXX XXXX PD, Economic Crimes Unit, case # XXXX Sincerely, XXXX PS I sent this email in lieu of calling - some creditors are claim that my cell is disconnected

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 2019-06-24 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: OH

Complaint narrative:
I requested METHOD OF VALIDATION from Equifax, XXXX, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an e-Oscar system. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to  determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I was contacted by Peter Roberts & Associates , Inc.,  XXXX, MA about a collection debt in reference to emergency room services that were provided by XXXX Hospital on XX/XX/XXXX for my son. XXXX XXXX paid the allowed amount ( {$210.00} ) to the hospital. Payment was accepted by the hospital.

Peter Roberts & Associates, Inc. provided a statement from the  hospital that shows that the balance for XX/XX/XXXX was {$0.00}. The same letter shows that on XX/XX/XXXX a bill of {$450.00} was marked as a Collections Write-Off. 

On XX/XX/XXXX I wrote to Peter Roberts & Associates , Inc. with receipts from XXXX XXXX showing that the bill had been paid and accepted by XXXX Hospital. It also included documentation showing that the {$450.00} was not a billable amount and that the " provider is prohibited from billing the patient for the difference ''. I explained that this is clearly an accounting error on the part of the hospital. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again wrote with no further documentation and demanded payment again. 

On XX/XX/XXXX I again wrote to Peter Roberts & Associates , Inc. and  summarized my previous statements that this bill is an accounting error and I specifically indicated that they DO NOT have permission to further harass me on this issue. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again sent a  collection bill to myself. 

On or about XX/XX/XXXX Peter Roberts & Associates, Inc filed a claim with both XXXX & XXXX  Credit Reporting Agencies. 

On XX/XX/XXXX I disputed the claims with XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
NCAC Has placed a debt on my credit report of XXXX. I have never lived at this address, I do not know the person that it states I am on the account with and the address never appears on my credit reports. XXXX  will not let me dispute this again, i keep trying to have it removed from my credit report and would like this addressed. 

The other name listed on the debt, I have never met this person and have lived in another state for the entire length of time that this debt is claimed to have been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I sent out a DEBT VALIDATION LETTER this company sent me a settlement letter this is NOT a form of validation. This negative impact is stopping me and my son from purchasing a home and i would like for this company to DELETE this account from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please be advised that you have failed to respond to my dispute letter. I sent this letter registered mail and it was signed and delivered for on XX/XX/2019. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you may know, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I have included a copy of my original request, the dated receipt of your reception of the original letter you have mistakenly placed on my records. 

Please delete the erroneous items from my credit report as soon as possible.

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 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I have received no correspondence for this debt.

Company response to consumer: Closed with explanation