vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went into the Wells Fargo Bank at XXXX, GA on XXXX XXXX at around XXXX EST to deposit an overpayment refund check that I received from XXXX for an amount of just over {$3300.00}. This check was written to me using my nickname, in which I showed the bank tellers the card that was associated with the check and also offered to show them account statements and my XXXX mobile account information to verify, match, and authenticate that I was truly the person that was listed on the check. I also offered them my Driver 's License which they did not even acknowledge. I told them I would happily allow them to verifiy my nickname was connected to my legal name by calling XXXX. I also stated to them that XXXX was willing to call the bank manager directly to verbally acknowledge the check #, account number, and name on the check belonged to me and matched with the information on my license. This is something that other financial institutions have done for me and I have never had an issue. But today Wells Fargo decided to have 3 different tellers look at the check I was trying to deposit, and scream across the bank at me that they would not be able to deposit it because it would make my account negative because their back office would not approve it. This was very embarrassing and had everyone in the bank staring at me. Then one of the bank telllers that was not even handling my transaction, and left a customer in the drive thru ( and was just being nosey ), told me that I need to have recurring overpayment checks from XXXX XXXX put in my legal name. I told her this was not a recurring payment that i was receiving from them. She asked me ( while I was standing in the lobby, and she was sitting at the drive thru window ) if the name " XXXX '' on the check was registered with the Secretary of State. She said it in a very condescending tone. She also stated the amount of my check in front of everyone in the bank and said it was too big to deposit which again made everyone in the bank stare at me and made me uncomfortable with everyone knowing how much I was attempting to deposit. This was a breach of my privacy! Where is Wells Fargo 's confidentiality assurance? This is the worst experience I have ever had with everyone in the bank now knowing how much my check was written for and knowing what institution it was written from. All of the tellers ( except for the man ) were rude to me and did not even greet me when I came in the door. My privacy was compromised and they did not even call a manager/bank specialist over to try and privately handle this situation.

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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Countrywide sold my loan. They changed it to a fixed loan since I told them I was promised at closing plus I could n't afford ARM. XXXX Bank of America but they kept me on ARM. XXXX shows that after XX/XX/XXXX sale to BOA they were to reach out to customers to issues checks and be required to offer a loan modification. I was never notified. I had to file for bankruptcy and once it was closed last month, they sold my loan. This SHOULD HAVE BEEN MODIFIED per agreement with attorney generals complaints. XXXX XXXX XXXX MN 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 2017-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
A scavenger debt company, XXXX XXXX XXXX retained this lawfirm to garnish my state income tax. I do not owe a debt to any company for the amount indicated nor did this company make any initial attempt to collect it before. They are trying to force me to pay XXXX in 14 days! I owe no such amount! This letter came out of nowhere and apparently they hacked into my private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did NOT authorize all these charges to my credit card. Please REMOVE this XXXX from my credit card. I DO NOT want this service. There are XXXX charges which should be credited to my Credit Card. Thank you, JC Penney Card Holder.

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Recently I received my amended tax return check and made a mobile deposit into my joint checking account with my spouse. They made XXXX available and put the rest of hold until the check cleared. Two days later, They put my entire account on hold, including my husband 's pay roll direct deposit. They put my entire account under fraud alert stating that my check was not a real check. After numerous calls to the IRS, the confirmed that the check was legit and that they did issue it to my spouse and I. Then for no reason at all, decided to tell me that they are no longer going to keep doing business with me, and that my husband and I would have to wait 60 days to get any of the money that was in our checking account. They refuse to allow us to have any access to any of our funds, put our account on fraud alert for no reason even after it was confirmed with the irs that it was a legit check, also refused to provide any reason as to why they were refusing to do business with me anymore, Also would not give a reason why they were closing my checking account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( XXXX, XXXX and TransUnion ) about the inaccurate information being reported under my name. XXXX claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however Transunion and XXXX will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.

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 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient ( formerly XXXX ) has been harassing me DAILY, calling my work/office phone numbers ( in-office and work mobile ), as well as sending me faxes at work and calling my personal mobile phone number throughout the day. They are jeopardizing my job with this incessant harassment. I have sent them a cease and desist letter, as well, and I have copies of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted equifax on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX {$180.00}, XXXX {$43.00} and XXXX {$48.00}, XXXX {$2300.00}. After properly disputing these accounts four times i received a letter from equifax stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Equifax the letter i received. Equifax still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either XXXX. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX, I have multiple disputes with the company and Equifx credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that XXXX magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Equifax has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Equifax is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I booked a flight through american express. i could not cancel it within 24 hours because no one picked up the 24/7 services lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT WORK INFORMATION IS : METRO PCS XXXX My current phone number is : XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX PT XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct

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 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Called a number that I thought was navient ( XXXX ). This number was given by a XXXX ad subscriber with the web address www.navientinfo.com or www.navient-info.com individual that answered claimed to be from navient. Tried to get me to log them into my fedral fasfa website. Went as far as putting my email in and sending me the reset email and asked for the password reset code. Obvious identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. 
Contract was cancelled. NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC
State: WA

Complaint narrative:
I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX. 

I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.

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 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank processes Debits before Credits to obtain Overdraft Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.

Company response to consumer: Closed with explanation