vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: TX

Complaint narrative:
I submitted a dispute to advised one of my creditor was paid in full as of XX/XX/XXXX XXXX which I open XX/XX/XXXX. The balance showed on my experian acct as XXXX I then get a result stated it came back as accurate 2days after I submitted the dispute which they didn't even verifiy with the creidtor so I called XX/XX/XXXX and spoke to a rep who 3 way the call with me and the creditor who confirm the account has been paid off in full the experian rep stated he will process the account as closed/never late paid in full well I gor the result back XX/XX/XXXX and he submitted the update for the wrong account an account for XXXX   that I had already paid in full last year prior to opening another loan I need this to be resolve Experian is no help anytime I try to update correct issue this is the 3rd complaint I had to report because of thier incompetent

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I was alerted to a fraudulent charge on my credit card issued by USAA bank I called them onXX/XX/2018 to alert them that my credit card was being used without my authorization. I have filed a dispute and had this dispute reopened after they failed to send me information through the mail which is my preferred communication method. I submitted the documentation stating that XXXX  XXXX XXXX and suites used my credit card without my authorization according to their policies. XXXX XXXX XXXX refused to reimburse my credit card and I was told that a police report was going to be filed by the manager at XXXX XXXX. This did not happen and where I unaware That a person was using my credit card to stay at the hotel. I have since reached out to USAA or than a dozen times was told someone would call me and no one has. My credit card has not beenreimbursed and the charges reversed and have been told that my dispute is not warranted. I have since submitted to refusal to pay letters which no one seems to see or acknowledge. All of the documentation I have submitted to USAA has been deleted. I want the charges for the hotel stay on XX/XX/06of 2018 he deleted from my account because I will not pay them and I want to know why my privacy and credit has been compromised due to a lack of customer service and integrity Of both USAA and XXXX XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. 
I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel Financial auto loma has been harassing me my family members and friends calling my job everyday giving them different names for me to call them back about a auto loan I didnt pay telling my employers why they are calling to collect a debt after I told them not to call I never gave permission for them to contact my job or my reference ... they sending me court papers stating they are suing me for the amount owed and will garnish my wages if not paid I never received a court paper to appear in court. When I called to ask they said they would send me to the legal department and I told them I didnt k ow I was being sued I didnt receive any papers and the legal team told me to pay up or they will Sees my assets and garnish my wage Im so confused on what to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Imagine Home Lending, LLC
State: WI

Complaint narrative:
XXXX XXXX of Imagone Home Lenindg has many many non compliant issues on social media. It is a bait and switch with no equal housing or company nmls on her main sponsored picture on profile. It states XXXX  down and XXXX credit. No program is given at all and is very predatory. It seems as if they need a compliance department because they advertise qualifications of programs but never give the program with a bait and switch. Aren't they suppose to have equal housing logo and their company nmls on their profile vicer photo.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
In XXXX of 2018 Navient debited my account for my monthly installment 2 days before the payment due date. I had more than enough money in my account to cover the payment but for some arbitrary reason then 'reversed the payment ' without any notification that there was a problem on their end. Then I receive a message AFTER the payment due date saying that I've missed payment. I call in only to told there is nothing I can do about the incurred interest due to a missed payment even though I didn't miss a payment. I know it sounds petty to worry about the incurred interest but when you have almost 90,000 in student loans and the interest rate is nearly 7 %, I need to worry about every single penny of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
A deposit from my employer hit my checking account on XX/XX/XXXX. On XX/XX/XXXX XXXX took every dime remaining in my checking account to offset a credit card charged off in XXXX. Tonight, XX/XX/XXXX my tax refund hit my account. As soon as they money was available, XXXX automatically took out another lump sum of {$1800.00}. After calling and speaking with several representatives, including XXXX XXXX, XXXX in the credit card department and XXXX in XXXX XXXX, no one was able to give me any information nor provide the original signed disclosure stating it was too old to view. Ms. XXXX in the collection department was completely rude, aggressive and disrespectful. Stating that maybe you should actually open your mail then youd know what was going on when I told her I had not received any letters from them about settling a credit card debt. She was very unhelpful and EXTREMELY unprofessional. I Also let them know that they can not garnish wages without a court order to do so and was told its not a garnishment but an adjustment which constitutes the same thing to me because theyre taking everything I have in my checking account to offset a credit card debt leaving me unable to pay bills, childcare and put food on the table for my son. According to 12 CFR 1026.12 ( d ) ( 2 ) For a security interest to qualify for the exception under 1026.12 ( d ) ( 2 ) the following conditions must be met : i. The consumer must be aware that granting a security interest is a condition for the credit card account ( or for more favorable account terms ) and must specifically intend to grant a security interest in a deposit account. XXXX of the consumer 's awareness and intent include at least one of the following ( or a substantially similar procedure that evidences the consumer 's awareness and intent ) : A. Separate signature or initials on the agreement indicating that a security interest is being given. 

B. Placement of the security agreement on a separate page, or otherwise separating the security interest provisions from other contract and disclosure provisions. 

C. Reference to a specific amount of deposited funds or to a specific deposit account number. 

None of the above were in the disclosure. The security agreement was # XXXX on page 2, was not separate from the other provisions, did not have to initial or sign next to it, and no reference to a specific amount or account was made. This is just preposterous. How are they able to do this? Things like this cause job loss and homelessness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: SC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX XXXXXXXXXXXXXX XXXX XXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: SC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After receiving a letter threatening to garnish my wages over a {$3500.00} loan that's halfway paid off from the Department of Education, I submitted the documents they requested showing that would cause a hardship under two different categories via certified mail and it was delivered. Last week I received another letter requesting the same documents plus additional ones be sent to a collection company in New York within 15 days of the DATE OF THE LETTER. I live in California it took me almost a week just to get the letter and one of the requested documents would take at least 10 days to get from XXXX. On top of that they're requesting a letter of termination from my previous employer that I was never given and can't ask for now. In fact I don't know a single person who has ever received a " letter of termination '' from a job. I can't afford to have my wages garnished, they've already taken and continue to take my tax refunds yearly this is just extreme.

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In mid XXXX I submitted a dispute to Experian due to fraudulent information appearing on my report. Experian removed the fraudulent information but they also removed information that is correct and I was not disputing. On XX/XX/2019 I received notice that an account with XXXX/XXXX XXXX was removed. This is an account on which I am an authorized user. It is a legitimate account. It should not have been removed.

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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result. 

Ive spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.

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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I subscribed to a movie service called XXXX for XXXX. I found out when I tried to use the service that there were additional fees not advertised. I tried many times with the company to cancel.Finally, I disputed this charge with Citibank and was told I received a credit for the dispute. The next day, XXXX put through an additional charge without my knowledge or consent. I contacted both XXXX and Citibank and was told at one point that a permanent credit was issued for both charges and the dispute was resolved. However, they have not credited my account. I have received different answers from everyone I talk to at Cit. I am really tired of calling, writing letters and trying to get back money that was charged to my account without my knowledge or consent.

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 2019-02-27 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: Credit Karma, LLC
State: NY

Complaint narrative:
Fraud on my credit report hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.

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 2019-02-27 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I wrote a check in the amount of {$4000.00} to XXXX XXXX which he attempted to cash at the Wells Fargo branch in XXXX XXXX at XXXX XXXX XXXX XXXX. Upon learning of the holding period of cashing such an amount, he requested they not deposit it into his account and took the check back, giving it back to me to be destroyed so I could write him a check for a smaller amount. The check I wrote XXXX from my XXXX XXXX account, check XXXX was subsequently destroyed. Unfortunately, Wells Fargo had already cashed that check and the funds were taken from my account. XXXX requested the transaction was reversed and the funds were taken out of his account. The manager of the bank informed XXXX the transaction had been reversed and that I should see the funds within 24 hours. It is now 5 business days later and that {$4000.00} is nowhere to be seen. Wells Fargo has kept the money and not issued a refund for their unintentionally cashed check. Upon visiting the branch I was given the same " 24 hour '' timeline for the funds to be refunded to me, yet I have not seen any of the money they took from me. I even asked for them to write me a check which they refused.

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 2019-02-27 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: FL

Complaint narrative:
XX/XX/2016 Colelction agency- XXXX XXXX XXXX  Balance : {$5500.00} I have contacted Equifax multiple of times asking to investigate this account on my credit profile and they just respond saying verified a identity therefore report was filed months ago as someone else was using my social so I went into the social security office and received letter XXXX XXXX and I continued to dispute it and all they respond saying is verified as accurate never sent any proof or why they are saying its accurate. This same account was deleted from XXXX and XXXX but Equifax is not doing their job correctly.

Company response to consumer: Closed with explanation