vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

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 2017-08-22 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: NY

Complaint narrative:
XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting  Agencies ( CRA ) Experian, XXXX, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA XXXX provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The XXXX CRA XXXX always state that they never received my supportive police reports or complaints. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

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 2017-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Every year I contact Navient Rate Reduction Program, I struggle to make the payment and currently my hours have dropped to 8 hours a week. My hours have been sporadic. I went two weeks without any hours. I have taken out cash advances on my XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards in order to make the payments. These are things I 've explained to them, well there are no more cash advances available and I ca n't sign up for the Rate Reduction Program for XXXX 2018. I need a forbearance. Why is n't there an extension for XXXX who 've fallen on tough times, but have been paying for years as part of their rate reduction program? I 've chosen paying this loan over buying food. It 's been tough and mostly because I 'm trying to get a XXXX XXXX in XXXX, I know that a defaulted loan on my credit report would disqualify me from so many careers. It happened the last time when XXXX XXXX reported me late, a company rejected me just based on my credit report after 3 job interviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Simple closed my account with them without giving a reason. Since then I have had many many contacts with them in an attempt to get them to refund the almost {$300.00} remaining. They first stonewalled, then " sent a check '', which was undelivered ( and refuse to tell me the address they sent it to ) and returned to them, then they again went silent for 12 days before telling me that they are stopping payment on the check ( which THEY HAVE ) and reissuing a new one. Again, this has been ongoing for 90 days now. I previously filed a complaint, and they responded that I may have been the victim of fraud. When I contacted them about this, they did n't know anything, and again refused to talk to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Used XXXX and online accessed my XXXX and XXXX reports..equifax had issues I tried twice and the verification question had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, TransUnion, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

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 2017-08-22 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coastal Credit, LLC
State: VA

Complaint narrative:
On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 've done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.

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 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I believe Chase is deliberately holding onto credit card payments in order to fraudulently charge late fees. On XX/XX/XXXX, I mailed my credit card payment which was due XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my credit card payment had not been received. I called XXXX and had funds transferred from my checking account. On XX/XX/XXXX, I called to have the late fee reversed. Miraculously, they found the previously-written check on the very night I called ( sometime in the hours between the late afternoon of XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX. I do n't believe in coincidences. I think they know I would have verified that my check had cleared and thus they had to apply it to my account ... or go through an auditing procedure to find out exactly where they put that money. I think they are doing it to collect late fee payments even when payments are made well within the deadline. I closed the account. This is the second time it has happened with Chase within two years. It has never happened with any other bank or credit union, and I have held credit card accounts since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Here is the situation I have my wife as an authorized signature on a couple of my accounts. The problem is she is just that an authorized signature. Now when we pulled up her credit reports these accounts show up on her report. Now when I signed her up I never gave any information on her social security number nor did they ask for it. Why do they have the right to put that on her credit report without a social security number? So if that is true then anyone in the world can put her name as a authorized signature and it will show up on her report and you would n't know unless you pull up your reports. This to me is a invasion of privacy and should not be allowed unless the primary person puts a social security number down. What is the fix to using an authorized signature.

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 2017-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
I co-singed on a Sallie Mae loan for my son while he was attending XXXX University. He has struggled to find a job after XXXX and we were allowed to set up his loan on a loan modification program. Payments were set up on a direct debit out of his account. After 4 or 5 months the direct debits stopped. After calling and inquiring why this was the case we were informed that they had removed him from the program because " he was enrolled in school. '' He has never been enrolled in school after XXXX. For the last 6 - 8 months I have been calling Sallie Mae and fighting to reinstate his loan modification. Each time I all I am assured that he is still in the program, they do n't understand what happened, they need to research the problem, and someone will call me back. This never happens. Sallie Mae has a record of all of my phone calls and they know exactly what is going on yet they refuse to honor their commitment and follow through on the loan modification program they set up. This is affecting my credit and my sons.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
XX/2017 I have previously disputed this fraudulent account. It was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation