vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

Complaint narrative:
My company credit report came wrong, I did a dispute back on XXXX XXXX, they promised to fix the problems and send me the report corrected. It is almost 60 days and nothing each time that I call, they say : " your case is on investigation and someone will call in the next 24 hours '' and no buddy calls. I have call them no less than 9 different times and always is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested that Transuion remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at transunion on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.

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 2017-07-12 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 've challenged and disputed this numerous times with no progress - so I 've pretty much exhausted my efforts at this point. This is regarding my Private Loan with Navient, account numbers as followed : XXXX ... XXXX ... XXXX ... XXXX ... <P/>The following account numbers are reflecting/reporting inaccurately and contain erroneous late payments on my credit report and are detrimentally hurting me financially as I am not able to purchase a home for my family. I 've sent numerous letters to Navient with no response. <P/>The late payments dated : XX/XX/XXXX ' - 60 days late XX/XX/XXXX ' - 90 days late XX/XX/XXXX ' - 120 days late XX/XX/XXXX ' - 150 days late XX/XX/XXXX ' - 180 days late XX/XX/XXXX ' - 60 days late During the end of XXXX, I lost my job and called Navient and attempted in good faith to delay my obligations while being unemployed - Navent went onto qualifying me for 'forbearance ' and required that I pay {$150.00} 3 times to put my forbearance into action, which I paid. Later this year, upon pulling my credit reports I noticed that the late payments were reported during forbearance and are reflecting erroneously and inaccurately. <P/>I reached out to the bureaus and they came back saying it 's accurate. <P/>Now the problem is that these late payments do not have 30 days late reporting precedent to the 60 day lates, which is completely inaccurate if the case was that I was late and it was reported correctly. This is totally absurd and not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
On XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 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: MD

Complaint narrative:
I have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oracle Financial Group LLC.
State: FL

Complaint narrative:
XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.

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 2017-07-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TN

Complaint narrative:
I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have paypal mastercard also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX. XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against 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 2017-07-12 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: MD

Complaint narrative:
I have made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 2017-07-12 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: MD

Complaint narrative:
I have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 2017-07-12 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: COMMERCE BANK
State: OK

Complaint narrative:
Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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