vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I tried for help from XXXX credit for fixing my credit. I paid half of it off it was XXXX charge account they found and started with. I just found out through XXXX credit that this was not my account at all. It haD my name birthdate and social but the address and phone number are not mine. XXXX has removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, I was in court to try to settle a debt. We agreed for me to pay {$100.00} per month every XXXX of the month. 

The attorney told me to go online and make a payment, and thats what I did. I was always making my payments on a timely manner. 

In order to make a payment online, you need a CONTROL #. So every time I made payments I typed in my Control #. 

Last month (XX/XX/XXXX ), it tried to make a payment for {$100.00} via online and I was unable to do it because according to the website, it was BLOCKED. So I called the number and I tried to let them know about my control number being blocked. 
They told me they dont know the reason and it must have been a temporary thing. So I made my payment through the phone. 

Today, XX/XX/XXXX, Saturday, I tried to make my payment. And unfortunately my control # is still BLOCKED. I tried to call the number but the their office was closed and I tried to call every bodys extension and left voicemails because I really need to make that payment today. 

You were told to make a payment online and when you do, they try to BLOCK the control number that way you miss your payment and force you to break the agreement you made in court..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder sinceXX/XX/XXXX The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and XXXX XXXX never once called to alert that the account was past due. Instead, XXXX XXXX has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XXXX ) shows a {$64.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I submitted a payment of {$440.00} to Navient on XX/XX/18. Despite having debited my checking account for the payment, Navient 's systems are not reflecting this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
As, I was checking my credit report I have come across that this company is on my report. stating that I owe XXXX XXXX dollars.This is only being reported on one report which is XXXX.I don't owe them anything. I have XXXX XXXX in my name as I am writing this statement. Which my account with them is XXXX dollars. So please explain to me how this is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
{$140.00} was stolen from account and the company responsible ( XXXX a know fraudent enterpise ) has attempted to refund this but the bank ( capital one 360 ) is not allowing the refund to post to my account. 

They have also offered to send a check which the bank is preventing. I was told by the bank to seek resolution from the company which I have done so I am confused as to why they don't accept the refund back to my account. 

I have been mailed papers from the bank that don't relate to my issue since these charges were fraud and continue to be shocked by the bank 's behavior on the phone and unwillingness to rectify this after telling me to seek resolution from the offending company which I have done. I continue to be owed this refund and the bank seems complicit in this fraud. I have been a bank customer since 2003 and have never had a problem before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
My identity was stolen and I have no idea were this debt collection came from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I purchased an XXXX Computer, an XXXX, and was induced to purchase the product on an 18 month deferred interest payment plan on the Barclay Card. So I opened the XXXX/Barclay Card account, when through numerous steps both online, at the XXXX XXXX, and over the phone with Barclay to make sure I was eligible for and had received the 18 months deferred interest payment plan. I was told several times that the deferred interest would show up on the next Barclay Card statement. It never did and they have been charging me interest on my payments for 13 months.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX  and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have requested the information reported either be removed, or that Chase Bank show me where I personally requested, authorized, approved or signed for this credit card. I even had my attorney contact them personally and they can not or will not show me this information. Their only response is " we have looked into this matter and conclude it is accurate ''. I did not request or authorize this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
Ive asked several times for proof the debt belongs to me and I keep getting the same paper with printed signature not hand written signature to prove its mine which it isnt!!! Im tired of going back and forth about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX with XXXX XXXX. Upon signing the loan, we were not informed of the vehicle service contract sold with the vehicle. After several complaints about the additional amount, the vehicle service contract remained on the loan. 

Four months later, on XX/XX/XXXX, the vehicle was involved in an accident, where it was totaled by the insurance company, XXXX. Upon totaling the vehicle, the claim check for {$19000.00} from XXXX was not credited to XXXX XXXX 's account until XX/XX/XXXX. I filed a complaint with Georgia 's Department of Insurance regarding XXXX 's hesitation in paying the claim to Santander Consumer USA. 

The vehicle service contract was also cancelled and the refund was XXXX XXXX XXXX was told on numerous occasions by Santander that the check had not been received, even when she called Santander on XX/XX/XXXX. After numerous complaints and phone calls to XXXX XXXX and Santander Consumer USA, a letter was faxed to Santander by XXXX XXXX on XX/XX/XXXX informing them of the check sent to Santander by XXXX XXXX dated XX/XX/XXXX. Please note the vehicle service contract was cancelled on XX/XX/XXXX. A copy of the check was also sent in the fax to Santander. After speaking with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX informed XXXX XXXX that the check was cashed by Santander on XX/XX/XXXX. XXXX XXXX called Santander again on XX/XX/XXXX and was informed that Santander did receive the check for the cancellation of the vehicle service contract. She indicated that it takes 30 to 45 days for it to post to the account. It was very unprofessional for Santander to receive the check and not inform XXXX or XXXX XXXX. 

I feel it is wrong for Santander to receive the check, deposit it and refuse to post the payment. That is very unethical. XXXX XXXX has endured late fees and interest charges for the month ( s ) that Santander withheld the payments and refused to credit the accounts. It appears that this happened with XXXX and XXXX XXXX 's payments, totaling approximately {$21000.00}. Even until this date, XX/XX/XXXX, the check from XXXX XXXX still has not been posted to XXXX XXXX 's account although the check was cashed more than 10 days ago. This is unfair and unethical. The manner in which Santander does business should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
wells fargo bank located in XXXX XXXX az paid over to a man who STOLE MY ID FOM MY HOME XXXX onXX/XX/2018. The bank did not check his id or make an. They are responsible for what happened. I have been with this bank for over 70 years they have ALWAYS Called mea when thet suspected a suspicious check or whatever is being presented. They did NOT. This time I want them to reimburse me. I am a XXXX year old widow, i am XXXX and i need the money, my savings!!

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Equifax are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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 2018-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Date of purchase, XX/XX/XXXX Date of return of defective itemXX/XX/XXXX{$62.00} interest fees charged This was a purchase at XXXX where there was a screw missing. One was not sent, item returned. This is how XXXX XXXX issuer of XXXXr cc gets their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: VA

Complaint narrative:
I had an automobile accident in XX/XX/2017, where the other driver was clearly at fault. I had to undergo ER treatment at the XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, account No. : XXXX ). At the time of the treatment and subsequently, I have provided their billing department the proper information about my healthcare plan - Group Number, ID, phone number, copy of the card. I have submitted this information multiple times - over the phone and via USPS mail. For some strange reason, the ER billing team has failed to submit the claim to my insurance carrier and have chosen to retain the collections agency AR Resources, XXXX XXXX XXXX, XXXX XXXX PA, XXXX, phone : XXXX, my account No. : with them is : XXXX. I believe I have also provided this debt collector with my insurance card, and again, they have failed to submit a claim. They have chosen instead, to harass me with multiple letters and numerous phone calls, during work hours. I have instructed them many time to file a claim with my insurance carrier and they have chosen to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$94.00} was taken from my Wells Fargo account on XX/XX/18. I added my wife to my account. The banker did not inform us that she owed money or that Wells Fargo would be taking money. Wells Fargo could not tell me why they could not contact me at any time during this process and inform me that they'd be draining my account to XXXX They could not explain why they didn't give me the opportunity to settle the debt or how much more they would be taking. I asked them if it was typical Wells Fargo fraud to allow someone with a debt to be added to someone else account simply because they know I will always have money to pay them. I asked them if these are the types of tactics that have them in all these settlements or lawsuits. I asked them if this was retaliation for me adding my name to the settlement I was emailed about. They had no response other than go to the local branch and ask them.

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 2018-05-05 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I wanted to dispute the transaction on XX/XX/XXXX with XXXX XXXX {$55.00}. When I called Compass Bank, the first lady ( XXXX ) I talked to barely spoke English and she did not understand my request and explanation. She pretended that she understood, but switched to the second lady, XXXX. She was same and had a communication problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just made a {$1000.00} payment on my credit card balance of {$3000.00}. Two days after making that payment to my credit card company I get an email that my limit has been decreased. I make substantial payments on all of my credit cards at the same time and this is the only company that lowered my credit limit immediately after. Since 2012 when I opened the account I only made the minimum required and maybe a few dollars more but not a {$1000.00} more. 
Now by them lowering my limit is showing me over the limit after making a {$1000.00} payment to this account. 
I'm trying to oncrease my credit score and this credit card company lowered my score before dubmitting my new balance to the credit bureau. 
I called and asked why they lowered my limit. I was yold based on the credit bureau report. If that's true then the credit bureau gave themXX/XX/XXXXs information whenXX/XX/XXXX was sent by all of my credit card companies. 
If they had used my XXXX payment information my credit limit would have gone up or stayed the same because all of my credit card companies were paid off or pay down to half or a third of the balances. This is how credit bureau 's stay in business by reporting out dated information to credit card companies and this is one way credit card make money off of cardholders by getting over the limit fees that they created.

Before I made my {$1000.00} payment I was nit over my limit and now that I made my big payment I'm over the limit and that's because they lower mu limit right after I made that payment to better my score and to payoff my debts.

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