vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I enrolled in XXXX  XXXX XXXX XXXX  program in Accounting I was unsure whether I would like the online learning format, so I asked the enrollment counselor with whom I spoke on the telephone what date I would have to withdraw by in order to not incur tuition charges. And I was been told you will receive student grant financial add you don't have to pay anything I hated the online format, and was absolutely certain to withdraw by the date I was told by the advisory. However, I was subsequently billed by XXXX, nonetheless. I disputed the matter back and forth with XXXX, informing them of the conversation I had with the enrollment adviser, but they insisted I withdrew past the deadline. Since the conversation I had with the adviser took place over the telephone, I have no proof -it is merely word against word. But I am certain I withdrew by the deadline in order to not incur charges. XXXX turned the matter over to collections Agency and they, in-turn have now reported a derogatory remark on my credit report, resulting in a lowered credit score.

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 2019-08-08 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

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 2019-08-08 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: NY

Complaint narrative:
In XX/XX/2017, I placed a freeze on my credit reports with all three of the major credit report agencies ( XXXX, Experian and XXXX  ).  Since that time I have been going on the assumption that the freeze has remained in effect. However, a few days ago, I attended an appointment I had made with the XXXX XXXX XXXX XXXX for the purpose of getting financial advice. At one point, the representative who was assisting me asked if we could take a look at my credit report. I told them we could do that but that I would have to unfreeze the report. She said, " Well let 's first take a look. '' She then searched my name on her computer and to my shock and dismay, pulled up a copy of my credit report from Experian without my having done anything to " unfreeze '' it. We proceeded with the meeting but as soon as I got back home, I checked in with the Experian automated phone service and ascertained that my credit report was indeed still frozen. This event occurred on Tuesday XX/XX/XXXX. I am deeply disturbed by this and would like some explanation how Experian could have shared this information without my permission while my report is under freeze status. I am also concerned about whether the same kind of breech is possible with XXXX and XXXX. It seems evident that calling those companies and establishing that a freeze is still in effect does NOT assure me that the report is not being distributed given what I have just witnessed.

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 2019-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
The cost of my online order was changed after I placed it. My order confirmation reflects the charge I authorized, {$70.00}, and by the time the item has shipped the adjusted cost of the order has been buried in the bottom of an email, now {$73.00}. An incremental charge of {$2.00} is listed on my statement that, and the new order details online reflect the adjusted {$73.00}. I called to dispute the charge, had to navigate four customer service reps over almost 40 minutes to have it removed. The person who finally agreed that it would be removed wouldn't let me finish a sentence, informed me that my dispute of {$2.00} is ridiculous ( which is not up to him ), that they regularly adjust prices after the transaction to account for where the product is located when it's ordered ( which it seems to me they should already know when I submit my order ). It's sneaky at best to mislead online customers as an expected business practice. There are no disclaimers about adjustments on my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid my balance off on my Bank of America credit card In XX/XX/2019 to a XXXX   Balance. It seems that a fee generated after that time which I was not aware of. Once I became aware of it I took care of it. Since I paid it down to XXXX and was unaware of this since I was told it was XXXX balance.

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 2019-08-08 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I think my identity has been compromised. I am traveling abroad to XXXX and on XX/XX/XXXX & XX/XX/XXXX fraudulent transactions took place in my Chase checkings account. That almost depleted my account by over XXXX USD. Two separate fraudulent transactions were occurred and one of  them was a check encashed by a person who I have not even heard of in my life. Not only that, my signature on check does not match my actual signature and hence ideally check should not have been processed. Also, I think the person has all my other information as next day another fraud happened in my account where money has been paid via ACH to a company named XXXX XXXX XXXX. I don't know why money has been transferred to them and this might be a much bigger issue if the fraud in this case has access to all other accounts. My biggest worry right now is that my money has been stuck and you can imagine how much stress will I be having right now as these are big transactions worth XXXX USD and XXXX USD respectively. I hope CFPB helps me out, I am more than happy to even go register an official police complaint. 

Chase will for sure follow their procedures but it is important that I involve CFPB as well so that I have someone who can use their clout and help me get justice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I discovered that I had an outstanding bill with XXXX collection   agency. Upon calling to resolve the debt, I discovered an attempt was made to pay the debt. There was allegedly an error with the original payment method and I was allegedly contacted about the payment method error. I did not receive this contact but nevertheless paid the debt last month when I found out about it. I've called XXXX repeatedly to confirm they have reported my account as paid in full to EXPERIAN. XXXX confirms they not only reported it but have received confirmation from Experian that the collection account has been removed. IT HAS NOT BEEN REMOVED. I have waited weeks to see if it will be updated and continued calling XXXX to confirm. It is utterly impossible to reach Experian to inquire about this. 

Experian has not updated their records, however somehow they have alerted me to a " new late payment '' but when clicking there is no evidence of the late payment and the collection amount due remains as outstanding. I have tried ceaselessly to contact Experian. The Experian customer service line is an absolute joke. If you call the number on their website nobody ever answers and you are taken through automatic prompts and placed on hold, only to be hung up on. This is insanity. If I didn't know better I would assume Experian is a fraudulent company with nonexistent customer service. I implore someone reading this to attempt to speak to a representative. It is impossible. XXXX. I can not believe this is how credit reporting agencies are allowed to function. This is completely unacceptable. I understand gears run slowly when multiple agencies need to update their records. However, this is affecting my livelihood and is an unacceptable situation. If Experian has reported to XXXX that they have removed the collection account, why does it remain as an outstanding bill? And why is it impossible to reach anyone to discuss this. I have a limited time table to work with to resolve this matter because I've already taken the hard hit to my credit trying to secure a loan. I have a small window to resolve this matter and have my credit re-run to secure a better loan rate. THIS IS UNACCEPTABLE.

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 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
In short, I attempted and electronic deposit using a banking app. The funds were placed in my account the day the deposit was made. Nearly 70 days later, the funds were taken/reversed from by account. Neither banks ( USAA FSB nor XXXX XXXX, XXXX ) has an explanation of where the funds are or how I can get my money back. 
On XX/XX/2019, I submitted an electronic deposit with USAA FSB in the amount of {$3200.00}. The deposit was made using the USAA banking app. The check was written by XXXX XXXX XXXX XXXX XXXX for medical claims. The account the check was drawn on was a XXXX XXXX, XXXX account. On XX/XX/2019, I notice that USAA had reversed the transaction and {$3200.00} was removed from my checking account. Below is a summary of the action taken after I noticed the reversed transaction : 1. XX/XX/XXXX & XXXX I notified USAA of the reversed deposit. I was told that it was part of a duplicate deposit. I was requested to contact XXXX XXXX and have them provide a copy of the cancelled check and USAA would do the research into the transaction. 
2. On XX/XX/XXXX, I received copies on the cancelled check from both XXXX and XXXX XXXX. This copy was emailed to USAA. I was informed that it may take several weeks to resolve. 
3. On XX/XX/2019, I was informed by USAA that this check was shown by XXXX XXXX as a duplicate transaction and that USAA was correct in reversing the deposit. Additionally, I was told this that this could only be resolved by XXXX XXXX. 
4. On XX/XX/2019, I contacted XXXX, again, to research the transaction and to contact XXXX XXXX. 
5. On XX/XX/2019, I received verbal confirmation from XXXX that the check was processed by XXXX XXXX on XX/XX/2019, as shown on the cancelled check. This payment had not been cancelled or reversed by XXXX XXXX and their account reflected the processed check. 
Please note, I did not attempt to cash or deposit this check at any other financial institutions. I have the original check and supporting documentation I received from XXXX and XXXX XXXX. I need assistance in resolving this issue. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX and 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 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Corporation of America
State: GA

Complaint narrative:
This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: AES/PHEAA
State: FL

Complaint narrative:
Incorrect Information to the credit report, my score going down dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
Incorrect Information to the credit report, my score going down dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect Information to the credit report, my score going down dramatically

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 2019-08-08 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: GA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  and 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 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
A fraudster claimed to a puppy breeder charged and asked me to transfer XXXX $ for the puppy fee including the shipping. Transfer this amount of XX/XX/XXXX on XXXX the breeder confirms that they have registered the puppy at a shipping agency and they would ship the puppy soon. 

However, the shipping agency reaches out to me saying that the puppy is not in a shippable crate and can use their crate for it to be shipped out for a refundable deposit of XXXX $ transferred this amount on XXXX however the puppy never arrived. 
I used Zelle from XXXX mobile app, Reached to XXXX XXXX and they say Zelle is the third party and they can not help any third party transaction and Zelle says we have to contact the bank to revert the transaction. 
Its been a wild goose chase, either XXXX  nor Zelle want to help me, all they can say is, unfortunately, we can not help in this situation Zelle case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I received notice from Rent Recovery stating I ow 's aped a balance to XXXX XXXX Apartments. I immediately contacted the apartments Manager and was told this was and error. My deposit was refunded to me after this exchange of communication. The debt thats in my name is fraudulent. I'm reach out to the CFPB before taking legal action. I reached out to rent recovery in writing letting them know that this debt was fraudulent. I havent received a reply nor acknowledgement. I responded in writing in 7 days of receipt well beyond my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Today I contacted Navy Federal Security and once again they tell me my claim is denied. Yet they tell the FCC that they are still working on it. They have restricted my online access and my bank debit card and tell me I will never get this back. Yet, they will not accept nor request a police report that I have. They will not accept any documentation proving the local police have prosecuted the person who used my account. Navy Federal Security Investigators are by far one of the most unethical incompetent divisions known to man. They play XXXX with peoples lives and have no right to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX auto loan ( account # XXXX ), was assigned to Wells Fargo Dealer Services ( WFDS ). In the following months, I received a request for ; and a declaration of, Collateral Protection Insurance ( CPI ). I did not give consent. 

In XXXX, the vehicle was repossessed ; although Wells Fargo had received payment. I believe that the payments were not properly applied. 

In XXXX, I received a notice from WFDS that they were reducing my interest rate ; resulting in a {$800.00} credit to my account. 

In XX/XX/XXXX, I received a notice from Wells Fargo waiving an outstanding {$500.00} balance from my account. 

Recently, WFDS settled to re-pay customers that were signed up for CPI without knowledge or consent ( Wells Fargo Collateral Protection Insurance Litigation Case # XXXX ) ; which may explain why I recently received forms from Wells Fargo Auto CPI Payment Program seeking to gather information from my insurance company and agent. As you can tell from my experience ( and those of others ), I have reason to be suspicious of their motives and practices. Instead of receiving a check as one of those affected, I believe that WFDS is attempting to limit the payout of the settlement.

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