vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 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:
I received an email stating that XXXX had an data breach and that I need to contact all three credit bureau about disputing items off my credit report. The email gave me a link that I can click on and put my information in to see was I an victim of the breach data and it came back stating that my information was taking. Here are the following inquiries on my credit report that I have notified TransUnion about and they have transfer me over the Fraud Security department. I talk to an Supervisor and she stated that she could not remove the items off my credit report. Here is the information that I 'm disputing : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX/XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX/XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 14. XXXX XX/XX/XXXX, XX/XX/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 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IN

Complaint narrative:
NCO/EGS KEPT CALLING MY WORK AND CELL AND IGNORED CEASE AND DESIST AND FINALLY WENT ON MY CREDIT REPORT. 

XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Sirs, I do have problems with my local Bank here, Wells Fargo and I want to transfer my XXXX check that I am receiving from our Social Security to another Bank account that I have nearby. No matter what I am telling them they do it their way. I did transfer my little saving balance to my checking account and closed the credit card account. They did charged me {$16.00} for stupidity because I had a credit card without the chip attached to it but able to use it on the internet but not on local store and that was the beginning of the problem when I went to the Bank and try to explain to them the case but when I came home some how I did find the credit card that they send me with the chip and within the hour I did went back to the Bank and explain to them the reason but the young representative did not want to hear the story and charged me {$16.00} but I did pay them {$20.00} that shows on my credit card account. When they closed the account so also the {$4.00} went with them for coffee as I say it. I got charged {$20.00} also on the checking account or the savings account wish I did transfer the moneys to the checking account and as today my savings account shows {$0.00} but still open account. I have to find another Bank to transfer my XXXX check of {$1100.00} and close also the checking account and not deal with them at all. This is the way our Banking system works and specially the older people facing those problems without any help around. What else left for us. I do have problems after problems with everything around like Banks, Hospitals, Doctors, Pharmacies etc. How far we can go with all those problems. What else left for us. Is there anyone to help the older population in America? 
Sincerely 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 monetary relief
Consumer complaint received 2017-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}

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 2017-09-29 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: RFNA, LP
State: GA

Complaint narrative:
Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: MD

Complaint narrative:
I was affected by the Equifax security breach, and using their online process to freeze my account, I put the freeze on it, and then their system was supposed to generate a PIN for me so I can unfreeze it later. The system did not generate a PIN, instead I got a system error message. When I called their help desk dedicated to the security breach, it is outsourced and the call center representatives do not have the ability to respond to technical problems. They refer you back to the general equifax number. That is an automated message that does not include an option to get technical support related to the cybersecurity breach and freeze requests. So, there does not appear to be a mechanism for consumers to resolve technical problems with equifax related to their failed system for freezing credit scores/accounts. 

I think CFPB needs to come down pretty hard on Equifax for failing to provide adequate technical support to people who are experiencing problems with freezing their accounts, getting their PINs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I purchased this property about a year ago and have received notice of escrow shortage. 
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a settlement offer from Navy Federal to pay off half of my {$12000.00} credit card debt. The settlement said If I paid half, my debt will be considered paid in full. I paid {$6500.00} to Navy Federal on X/X/2017 and since then I have not received any more communication from Navy Federal stating my debt has been paid in full.
The balance still shows up on my account when I log in with a 24 days past due collection sign for minimum payment of {$30.00}.
I have attempted several times to reach out to Navy Federal but no one seems to know what 's happening.
I am hoping this was n't a new debt collection tactics and that my settlement contract offer is genuine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Not sure. 
Possible Identity Theft?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A fraudster scammed {$40.00} from my son. He then claimed he did not receive the funds and attempted an account takeover. I tried to detach my bank account and credit card from the PayPal account, but PayPal would not let me due to the impending transaction which had already been instantly credited to the fraudster. I then reported in numerous confusing attempts the fraud, yet the fraudster was somehow able to try to send multiple transactions from the other side of the country with nothing more than my email address and name. PayPal also has no means to report an account as a fraudulent account to prevent him from defrauding others. Or, I could not find a way to do it in hours of searching. The fraudster was using the following email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 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: MD

Complaint narrative:
I have a JcPenney credit card issued by XXXX XXXX. I made my first purchase with them on Saturday XXXX/XXXX. I have a {$100.00} credit limit and spent {$60.00}. I go to pay if it off yesterday XXXX/XXXX, and there is {$0.00} available balance.
There is a posted transaction for {$60.00} and then a pending charge for {$60.00} ( it put me in the negative by {$20.00} ). It stated online all pending transactions will post in 48 hours.
I contacted them yesterday XXXX/XXXX and they told me I would n't be charge and the pending amount should fall off soon.
Today, XXXX/XXXX, I checked again and it 's still pending. Contacted them again and the girl was very rude and said I had to wait till Monday to see if it " falls off ''.
This is absurd. I have other Synchrony cards- and none of those, do this. Why is this allowed? This is not right! I have both reference numbers if you need those.

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 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX

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