vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 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: U.S. BANCORP
State: GA

Complaint narrative:
Hello, I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything from them. 

XXXX/XXXX/XXXX XXXX : XXXX XXXX {$460.00} XXXX/XXXX/XXXX Auth : XXXX # XXXX {$89.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$360.00} XXXX/XXXX/XXXX Auth : XXXX {$3.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$10.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$28.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Euro {$10.00} XXXX/XXXX/XXXX Frgn XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX/XXXX/XXXX Frgn Trans Fee-XXXX XXXXy XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX XXXX XXXX {$25.00} XXXX/XXXX/XXXX XXXX Delaware De {$570.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$5.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} XXXX/XXXX/XXXX Frgn Trans FeeXXXX XXXX XXXX Pr {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX/XXXX/XXXX Frgn XXXX XXXXXXXX XXXX XXXX Pr {$2.00}

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 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am an idenity theft victim verified by the IRS and Social Security there is a bank account that I am not aware of that has funds that were intended for me I had Bank accounts with XXXX, XXXX XXXX and Wellsfargo i think that an account exist with wellsfargo or the investment brokerage involving Wellsfargo Bank a crime ring has reportedly transfered XXXX XXXX dollars a week from an account related to my name and social security number it is under investigation by XXXX Police Officer 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 explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Ca n't add XXXX to account online at 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 explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: FL

Complaint narrative:
Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & 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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This debt with XXXX XXXX just appeared on my credit report. It came from XXXX XXXX. The amount is {$800.00}. My identity was used in connection with this debt and I have just become aware of it. Several accounts were set up and used with XXXX XXXX. I do n't owe this debt and it needs to be removed. I have contacted all agencies and informed them of identity theft. The fair solution is to have this removed from my XXXX XXXX and XXXX reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TN

Complaint narrative:
Since XX/XX/XXXX Transunion has been reporting XXXXXXXX XXXX XXXX XXXX as a closed-derogatory auto loan under " Paid in Bankruptcy ''. It was brought to my attention this year XX/XX/XXXX as I 'm currently trying to buy a house. I submitted my 1st disputed online with Transunion requesting this account to be verified and that I have NEVER filed bankruptcy. Result came back unchanged and verified, but I did n't receive any proof of such investigation. I submitted a 2nd disputed for a thorough investigation due to this account reporting inaccurate information since again I have NEVER filed for bankruptcy. 30+ days later Transunion never re-investigated my request and yet continued to report the derogatory information. I sent my 3rd dispute in writing to both Transunion and XXXX XXXX XXXX XXXX requesting them to either verify the accuracy of this account under said " Bankruptcy '' or remove from my credit report. The result came back from Transunion advising that XXXX XXXX XXXX XXXX updated my report to now " Reaffirmation of debt, Paid Repossession ''. In order to have a reaffirmation agreement that 's followed behind a bankruptcy it must be a legally binding contract signed by myself, the creditor, and a judge! Since I 've NEVER filed bankruptcy how could I have a reaffirmation agreement in place with this furnisher. At this point Transunions and XXXX XXXX XXXX XXXX are breaking the law and violating my rights by continuing to deliberately report false information in 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 explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: MO

Complaint narrative:
This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/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 2017-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 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: PA

Complaint narrative:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER REPORTED - XXXX XXXX XXXX - I HAVE NEVER WORKED HERE. THIS IS NOT MY CURRENT EMPLOYER. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS A RESULT OF SOMEONE TRYING TO GET CREDIT IN MY NAME. REMOVE THIS EMPLOYER IMMEDIATELY. AS YOU KNOW ACCORDING TO THE FCRA, ALL INFORMATION ON MY CREDIT REPORT SHOULD BE 100 % ACCURATE. AS THIS INFORMATION IS NOT CORRECT, REMOVE IT FROM MY REPORT IMMEDIATELY. I WANT A FRAUD ALERT PLACED ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell 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 explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX account number XXXX This home equity line was opened in XX/XX/XXXXand was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

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 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.

Company response to consumer: Closed with explanation