vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi there, I am an international student holding a student " XXXX XXXX XXXX. 

I opened a checking account with US bank in XXXX when there was a promotion. I told them that I am an international student and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XXXX. I received my bonus for opening a checking account, which is {$200.00}. 
However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. 

Then I went back to the branch where I opened my account, twice, the only answer I got there was " We have done nothing wrong ''. They refused to listen anything. Each time, they said they would call me back the next day with a solution, However, I have never heard anything from them. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.SXXXX ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. 

Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.

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 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient, also known as XXXX XXXX, has repeatedly been unhelpful and predatory against me. In this instance, I only have XXXX XXXX XXXX XXXX with them ( ~ {$5600.00} or so ) and am in a tough financial situation and can not afford to make payments at this time. I am a stay at home mom and DO NOT HAVE AN INCOME. I was making payments around {$90.00} up until a few months ago ( despite not having a job ) but can not afford this any longer. I called them, spoke to the " XXXX '', explained my situation and they DECLINED to help me in any way. I asked if they can lower the payment - their answer was continually " NO '' because they claim it is " under {$100.00} ''. I then asked if they can lower the interest rate ( which is beyond ridiculous at 15.725 % ) and they also said " No ''. Last, they can not grant me forbearance because I have used it in the past. Well, I 've exhausted my options and can not pay. Now they continue to call me, bombard me with emails and I am ready to file a lawsuit if they do n't stop harassing me. This should be illegal and they need to either help students or eliminate this sort of shady business because this is not what education is about. Please have them stop harrassinf me and put this loan into forgiveness because I was defrauded by my school XXXX XXXX XXXX XXXX XXXX XXXX. I am also in contact with the XXXX of Illinois and the XXXX Attorney XXXX regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.

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 2017-09-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of the Equifax hack. After learning of my exposure I tried to have my credit frozen with all three credit services. 

Equifax would only help if I signed a document relieving them of any legal suit. 

XXXX 's website crashed while processing twice and told me to call a number where the representative XXXX told me she could n't do anything and then transferred me to her sibervidot which was an inactive number/ hung up on me. 

XXXX 's website recommends buying their protection plan - just a way to profit more than the {$10.00} they charge to freeze my own information. 

So in the end my wife and my information is released and I have no way of protecting it through legal means other than paying these same companies even more money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need help re Equifax. 

I have been trying to sign up for a security freeze with Equifax and seem to be on an endless loop of emails. I went to the website and entered all the information they requested. They said to wait for an email to continue enrollment ( which the other credit services didnt do enrollment was instantaneous ). 

I got the following email from Equifax : " It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team '' Again, I did everything they told me to do and was told, yet again, to wait for an email to continue enrollment. 

And around and around we go. 

I have called the Equifax customer service line twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and have told my story to the operator. On both occasions, the operators have said something along the lines of, Not the first time Ive heard this! 

On each occasion, I was told to call another number because my request had not been registered. The numbers I was given are : XXXX and XXXX. They are both constantly busy and I have not been able to get through. 

Can someone please report on this or help me in some way? Equifax caused this whole problem to begin with they should not be allowed to get away with shoddy treatment of their customers, who never asked to be customers in the first place. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have found out that I am a victim of the Equifax security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call Equifax failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has announced on XXXX XXXX, XXXX and I have confirmed that my personal information has been compromised. I am extremely frustrated for several reasons : - My information is again out there for people to steal and open up accounts against my name - I have unsuccessfully tried to get their website to freeze my credit to work, likely due to me and 143 million other people trying to do it at once - I now have to spend additional money with 3 other credit bureaus to freeze my credit there as well as spend more time doing so. This is also an inconvenience when I try to obtain credit as now I need to provide pins and turn it off and on. 
- And to top it off they ca n't communicate the correct website address to use to check if you are included. I also question the security of providing 7 of 9 SSN  digits to confirm my info. 

It is obvious that Equifax is not capable of handling such information. They should be liquidated and the proceeds be paid to the 143 million people they have impacted. I am sure the 3 other credit bureaus can be used instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I am having an on-going issue with Helevy & Associates.  My understanding is they were assigned to collect a debt regarding XXXX XXXX in early XXXX. Helevy & Associates ended up reporting the account as a collection to at least XXXX credit reporting agencies, including XXXX and XXXX. At no point did I received written notice of their involvement in the collection of a debt, nor did I have any knowledge any money was owed to XXXX. Records from XXXX indicate Helevly & Associates is reporting XXXX XXXX XXXX, XXXX XXXX FL XXXX as the address associated with the account. I never lived at this address and do not receive mail there. Any correspondence sent by XXXX would have been returned to sender as undeliverable. 

I did settle the debt when I found out it was reporting to my credit history. The agent for Helevy & Associates said they would request deletion of their tradeline after the account was paid. Yet, XXXX years later, it has not been deleted from my credit history, and when I disputed it via XXXX and XXXX, XXXX indicated that it should remain reporting and not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc
State: KY

Complaint narrative:
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and Experian as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

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 2017-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.

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 2017-09-22 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: AL

Complaint narrative:
I have contacted Equifax several times in response to information being reported wrong on my credit report. Equifax has had two major data security breaches and its unbelievable that they have made it extremely difficult to dispute inaccuracies and follow the law and investigate disputes according to the FCRA. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) as they have not responded, nor investigated these accounts. These accounts are unverified and should be removed immediately per the FRCA. The accounts are below : 1. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
3.XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
4. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
These accounts are unverified and I will need proof as to verify these accounts and investigation that should take place according to the Fair Credit Reporting Act. 
5.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account 6.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account The following credit inquiries are unauthorized and should be investigated and removed immediately. I have a fraud alert on my credit profile and never received a call to make sure these credit inquiries were authorized. The unauthorized credit inquiries are below : XXXX XXXX XXXX-Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX Please investigate and delete these inquires immediately as they are unauthorized credit inquiries. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

Company response to consumer: Closed with explanation