vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a car loan online. Through the company I was applying for, they ask for a credit report from Transunion for {$1.00}. I put my credit card information to pay for the credit report. I was then directed to the Transunion website to create a username and password to put in my information to get the credit report. I completed the tasks and the credit report was sent to the company I applied to. On XX/XX/XXXX, Transunion took out {$19.00} out of my checking account. When they took out {$19.00}, my account went into the negative which {$27.00} was also charged to my account for overdraft fees. On XX/XX/XXXX, I called Transunion to speak with them on why they deducted the {$19.00}. I was told that when I paid for the {$1.00} report and was directed to create a username and password they automatically put me in a free trial. I told the lady that I spoke to that I did not agree to a free trial. I asked her to cancel what they had me signed up for and I asked to be refunded my money. I was told that Transunion does not do refunds. I then asked to speak to her Supervisor she said there were no supervisors there.

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 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone put a bad check in my account. Hacked into my online banking system and deposited the check and then had a fake card made and stole all my money out my account!!!! I explained to us bank this issue and they are refusing to help me and charged off my account for more than 2,000

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 2018-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I have 2 charges from ambulance rides. At the time the two insurance companies both rejected the claim. Only a year after the fire dept turned this fees over to XXXX XXXX XXXX. The insurance company tried to rectify the situation and XXXX XXXX XXXX  turned them down. The two fees for XXXX XXXX XXXX are XXXX $ and XXXX . Both were not adjusted by either Insurance co. The final charge is for XXXX dollars for XXXX Hospital. I was at XXXX hospital during that time but the money that is owed was paid for at the time of service. Im currently getting proof of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: KS

Complaint narrative:
Commerce bank started charging customers a {$3.00} statement fee in XXXX of 2017. They did not seek authorization to do this, they simply put a note on a statement saying they were going to charge for this. They also said you could unsubscribe online, which you cant. I had no idea about this fee as they had disguised it in the billing ledger as a service fee. Upon reading through my statements, they call it a statement fee on the ledger on the paper statement and they do not list it in the itemized charges they show for fees and other services charged on the invoice. Attached you will find a screen shot showing these things. I contacted commerce and they basically said, " we told you on the XX/XX/2017 invoice we would charge you and so you should have unsubscribed then ''. They then proceeded to tell me I needed to come in to the bank to clear this up and turn off the statements. I was also told by XXXX XXXX, complaint handler at Commerce, that they couldn't possibly have asked customers online to opt in or out of this or even notify customers this was happening. I told her they could've prompted customers at login but the point of this move was to quiet take money from customers without them noticing. They are literally sneaking and mislabeling fees to generate revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX, I was engaged in a legal battle and alerted my creditors of my situation. I had credit protection services on several of these accounts however, once I notified the company of my status they charged off the accounts. In summer of XXXX I offered to pay the charge offs in full for exchange to have the reporting changed and the accounts were dated and listed as new debts which reinjured my credit score. Both original creditors and debt collection companies refused any negotiations to remedy the issue and have sent me updated delinquency policies that I was not made aware of these changes. How can I fix an issue these creditors do not want to work with the consumer to fix? 

" We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: OH

Complaint narrative:
The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I deposited {$300.00} cash into a vacation club savings account at M & T Bank branch in XXXX NJ. The deposit never went into my account. A copy of the receipt from the teller was emailed to their customer service rep and I have had conversations with the branch manager, XXXX. They have been in contact with their back office and to date my account has not been credited. On XX/XX/2018 XXXX stated sometimes this can take a week or more even if it was a cash deposit that did not post to the account. He said they can only contact the department that makes corrections by email and their is no senior management person he can call to inquire as to why this is taking so long. 

I want to close the account now as I am so frustrated with all the errors M & T has been making on other accounts as well that we have been having. Those issues have been finally resolved and this remains open. 

While I know this issue will get resolved eventually, it is mind boggling that cash ( and this could just as easily have been {$3000.00} in cash I would not have access to ) deposits go missing and the customer has to wait for days for a simple correction to the account that is clearly the bank 's error. What is the point of getting the receipt for a cash deposit. It is further distressing that if I had not checked on line that the balance was wrong, M & T Bank did not flag an error from a deposit made on XX/XX/2018. Had I had balanced our accounts as I do monthly, my husband and I, who are both over XXXX years old and have health issues would never have seen this money again. I have spent hours on the phone with M & T Bank, including their corporate offices in XXXX. What do people do who do not have the resolve to do this. How many other cash deposits may M & T posted into a black hole never to deposit correctly. This is the bank that had money laundering issues and could not complete the purchase of XXXX XXXX XXXX Bank in NJ ( who was a great bank ) for over three years because of the money laundering issues.

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 2018-08-07 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: LA

Complaint narrative:
I completed the income based repayment plan renewal and received an email confirming the repayment plan was approved on XX/XX/2018. I received an email for the change in terms on XX/XX/2018, stating that my new payment due is {$440.00} per month and that payment schedule replaces all previous schedules for this loan. All emails after XX/XX/2018 have stated payments have been accepted and that amount is my current due amount for the loan. I now have a balance due of {$580.00} due on XX/XX/2018. There was no notification of a change in the monthly payment. This amount includes no additional fees, only principle, and interest. This is the second time Navient has failed to notify me of changes in my monthly payment and sent me a bill for an incorrect value. I have contacted the company about this issue, they just fixed it last time. They need to be held responsible for sending incorrect changes, failing to notify borrowers their bill has changed, and changing the bill to an amount that is different than the agreed terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, 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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Earlier complaint filed # XXXX I've written to you about the selling of my personal and credit information to XXXX XXXX XXXX  by Experian. 

My complaint was forward to the Office of the Comptroller of the Currency. I have received a respond from XXXX XXXX and the Office of theComptroller of the Currency. 

Although Im happy with the respond, Id like to continue to bring to your attention that as mentioned from XXXX XXXX XXXX ( Letter attached ) Based on limited pre-screened information obtained from the major CONSUMER REPORTING AGENCIES. 

Its evident that my personal and Credit Information was sold / obtained from Experian. 

As mentioned in the letter also ( Letter Attached ) Our Records indicate that as of the date of this letter, we have not received a formal request for credit in your name. 

I never applied for a XXXX XXXX XXXX XXXX, with this institute and never signed consent for EXPERIAN '' TO APPLY for Credit EITHER / or Sell my information / or submit my information As mentioned in earlier complains the Credit reporting agencies Continue to sell and provide my personal information to THIER 3rd parties marketer and profit on my Personal and Financial information that should be private. Or given with my consent and I haven't given any consent. 

I have included ( see Attached ) the Document from the Police Dept. By continuing to  sell my information only enables further Thief on my XXXX. 

Also, any additional information about this thief can be confirmed by XXXX XXXX @ XXXX Reference # XXXX # XXXX # XXXX # XXXX At this time, Since it is EVIDENT that I have been a victim of a Crime and thief on my credit reports Im asking the Fair Credit Reporting Act, to enforce my rights and to assist me in not only applying a 90 day Fraud alert on my credit reports but to apply a EXTENDED ALERT for 7 years on my reports. 

I have included police reports already to all credit agencies and to the Consumer Financial Protection Bureau. And have added the attachments again with this email. 

Id like to have my reports FROZEN, from any inquiries other then the creditors already listed. I have no plans in applying for additional credit, and have lived at my address over 3 years so utilities arent needed. 

Im confident that this matter will soon be resolved. And look forward to your respond. 

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 2018-08-07 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX Bank Delaware reported that they sold an account to PRA group that are reporting on XXXX and XXXX. They said the account has been updated to show a dismissed chapter XXXX bankruptcy. Bankruptcy case number XXXX was filed XX/XX/2017 and has been confirmed. This account from XXXX still shows delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo forclosed XX/XX/2018 after 2 to 6 times tried to a modify i want to know the numbers and how much we were off by on each denial 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 explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: UT

Complaint narrative:
In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX  ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stuart-Lippman and Associates, Inc
State: SC

Complaint narrative:
On XX/XX/2018 I received a call from XXXX XXXX XXXX out of XXXX, AZ. They called asking for a member of a church I use to attend. Im not sure why they had my personal cell number but they did. They asked me was I this particular individual and I said no. They then proceeded to ask me if I knew the individual and I said yes. They then started verifying this individual 's information as if it were me. I quickly stopped the guy and stated, this is a breach of confidentiality and you have no right to verify another individuals information with me. This person could be an enemy of mine and you just gave me their address. He stated his name was XXXX XXXX and was just trying to gather information. This was improper and a breach of the " unnamed '' individuals confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint is linked to complaint # XXXX about WELLS FARGO BANK. I received a written letter from Wells Fargo regarding my original complaint number assuring me I would have the {$200.00} checking account bonus deposited into my checking account by XX/XX/18. I also spoke with the XXXX, New York bank manager. He contacted the " resolution '' team who promised that the {$200.00} bonus would be deposited into my checking account by close of business XX/XX/18. 

Apparently, the " resolution '' team does not honor its promises and WELLS FARGO does not comply with its own agreement. 

WELLS FARGO is guilty of unfair business practices that need to be stopped. They promise bonus money to get more customers to make their " numbers '' look good..but they do not honor their agreements. I just want the {$200.00} checking account bonus money I am entitled to.

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 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
terrible company with horrible customer service. Navient does not try to help you whatsoever. After my rate reduction program was over I went to check what my payment for the month of XXXX would be hoping I could afford it, when I checked it said {$0.00} due, this was just a few days before the payment was due ( XX/XX/18 ) Then I noticed over {$450.00} was taken out of my account automatically. I was also told before, by customer service, that automatic payments would stop once the program ended- clearly not true. Now I no longer qualify for the program for some unknown reasons. Their other options are limited and would not benefit me at all. They also do not provide reasons as to why you no longer qualify for certain repayment programs. Interest rates are at a ridiculous 10 %. Everything about this company is corrupt. I never even signed up through navient, never got notifications that they were taking over my Sallie Mae loan. I always mentioned to navient that this also is not the only company I have student loans with, so on top of this loan I also have to nearly {$400.00} to the other providers. I can not afford to pay {$1000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc.
State: MD

Complaint narrative:
I used an agent to transfer money to an account in XXXX on Friday XX/XX/17. Till date funds never showed up in recipients account. I contacted Agent of choice money transfer in New Jersey XXXX a subsidiary of ( small world financial service group ) today to ask for proof of transfer, they insisted they cant help me unless i provide recipients bank statement. I have spent numerous of my productive hours on the phone to no avail.The supposed recipient sent me a screen shot of their account i also spoke to an accounting officer who confirmed the money never made it into her account. 
Choice bank have been having me do the run around hanging up on me and constantly transferring from agent to agent. A receipt form the transfer agent has been attached for your verification. 
I have a right to receive a document of how the money was transfered out of their account

Company response to consumer: Closed with monetary relief