vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

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 2018-11-20 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: AES/PHEAA
State: MA

Complaint narrative:
On XX/XX/2018 I sent a check that included the calculated interest for two loans to the XXXX XXXX. Instead of applying the entire check to the two loans they spread it around. They didn't pay off the two loans.

They are offensively XXXX and grossly incompetent.

I want them to pay off the loans. I needed that for my debt to income ratios.

Getting the location to even send the check took two phone calls. How this isn't on the website is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
On XX/XX/XXXX I made a payment of {$93.00} to XXXX XXXX XXXX in order to close an account that was delinquent. I was told that my credit report would be updated.As of XX/XX/XXXX the account is still showing as delinquent on my credit report. I received a paid in full letter but my account status has not changed in over two years.

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX I opened an account at a Bank of America branch and deposited a payroll check for {$14000.00}, withdrew {$4300.00} and deposited the {$10000.00} which the teller told me since the check was drawn from the same bank ( Bank of America ) that there was no hold but take one business day to clear.  Monday morning I find out that b of a is closing my account with out giving me a reason ok thats fine. Im requesting to withdraw my funds of {$10000.00} since they decided to close the account. They put a hold on the check thats already been partially paid to me until it clears and are telling me now its not going to clear until the XX/XX/XXXX. Why is it taking so long to clear a check they issued and originally told me would clear Tuesday XX/XX/20. I am XXXX and need the cash to move as well as help my father with XXXX XXXX and medicine. There is no fraud, no overdraft balance nothing that I did to cause this. I was advised by them when I took the check into the bank that I couldnt cash the check because of the amount was to high as a non customer and they had me open an account to cash the check and then two days later decided to close the account and hold my funds. If I would have known that was going to happen ( remember the teller told me no hold and by Tuesday midnight it would be in there cleared. ) I would have taken the check to my bank so the put me in this place essentially and are now holding my money on a fictitious reason.

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 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. 

I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. 

I want all the information to be sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB investigator I have opened this account for just about one month, and today I received my first statement with a {$25.00} service charge. I think it was because I didn't meet the {$7500.00} minimum balance to waive the fee, but I have added an external bank account ending XXXX from XXXX to fund my account, and I saw the account was disappeared after I scheduled an external transfer? So may I know why do People 's United Bank removed my external account and cancelled my external transfer? And could you please ask the bank to waive my {$25.00} fee, which was caused by the bank cancelled my external transfer and not meet the {$7500.00} minimum balance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: SC

Complaint narrative:
I HAVE TRIED NUMEROUS TIMES TO UPLOAD VIA WEB AND/OR FAX MY FTC REPORT LETTER TO THE LISTED FAX # AS I HAVE DONE BEFORE AND EACH TIME THAT I HAVE TRIED I AM RECEIVING AN ERROR FROM TRANSUNION END, EACH DAY THAT THIS INCORRECT INFORMATION STAYS ON MY CREDIT FILE IS HURTING ME. 
** MYTRANSUNION FILE # 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 2018-11-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: NY

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

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 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
Received a call from Pro collect Inc saying it was an attempt to collect a debt. I called back and just gave my first name and they said they were collecting a debt from XX/XX/XXXX-XX/XX/XXXX that was for {$210.00} from a company Id never heard of. Sounds like a utility distributor. I never have received any letters of this debt they said theyve been contacting me about since XX/XX/XXXX. They had an address on file for me Ive never lived at. I asked for proof theyve tried to call my phone number at they just called, that Ive had for 5 years, and they said theyre calling now. When I asked for proof from Their agency they said XXXX it. When I asked for proof of the place Im in debt to they said XXXX it. The person said theyll mail out proof to the address they now requested from and said I have to pay the debt in full by Monday. Its tuesday and Thursday is a holiday and then a weekend. Theres no way to get their letter and do research by Monday. Highly suspicious of this group

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card expires this month. I have been paying my payments on time and have been with the company several years. I have one other credit card in which I am current. On XX/XX/2018, citi card sent me a message stating that once my card expires they will not be sending me another one because I filed bankruptcy and/ or a charge-off on another credit card account issued by Citi . I do not have any other credit cards and have not had any other ones besides the one listed since they reissued my card in a year or two ago. I think this is a discriminatory tactic against minorities.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: TX

Complaint narrative:
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX XXXX XXXX   Store Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX  XXXX in XXXX, XXXX overcharged me {$160.00} on check out. Breakfast was included in room rate up to XXXX daily. However, I was inadvertently charge for breakfast separate from the room rate. Documentation has been provide to Citibank on 2 different occasions. Recently on XX/XX/18 but on XX/XX/18 they stated they did not get what they wanted. All items will be uploaded on this complaint so they have them for a third time.

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 2018-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade Capital, LLC
State: SC

Complaint narrative:
Account sold to third party from XXXX XXXX and now it shows incorrect information regarding balance and last payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I live in Virginia and applied for a online loan. I have come across information that XXXX is not legal in Virginia. XXXX keeps taking funds from my checkings and causing overdraft fees. I am more than willing to pay them what I owe. But, at 149.81 % it is impossible to do so. I borrowed {$1200.00} from XXXX and my payment was supposed to be {$79.00} a month. XXXX is taking that amount from my checkings sometimes, 2 to 4 payments in one month. I have been late one time and XXXX  has made me pay dearly. I have contacted XXXX  about the matter and they refuse to work with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American Credit Acceptance : Failed to process payments and then charged interest on the principal. 
Charges processing fees for payments that were not disclosed at the onset of loan. 
Calls 4-5 days regarding payments while failing to address previous noted issues. 
Lost checks, and does not provide statements. 

At this point the company has " lost '' {$5200.00} in funds that were sent to them and has not reconciled any of these issues. 

Continues to call and has not addressed any charges or fees. 

This Loan was through XXXX which also failed to disclose the company 's practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had an account with Citi AAdvantage for over 18 years. I recently contacted them to let them know I i was making a name change to my business and needed the card to reflect that change. when I called I was advised that I will get a form in the mail with several questions to mail back. I was also told by a representative that my account number and everything else would stay the same. To my surprise, my account was closed with no notification from Citi AAdvantage, and I am outraged. I use this card daily, have a high available balance. pay my bills on time. I contacted customer service immediately when my card was declined when trying to order food. I was told I closed the account, which was incorrect. I was also told that a supervisor would contact me. no one bothered to contact or send any letter about closing this account. I contacted customer service and was transferred to the executive response unit that promised this should be an easy fix got back to me after 5 days and said that this account can not be opened and that I can apply for a new card. I am outraged and need to know what I should do next. the account was closed in err of CitiAadavtage and they should take the responsibility of fixing this issue.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase XXXX credit card online. It was denied even though I have excellent credit and other credit accounts with Chase. They claim I can not prove I am me and suggested I check my credit reports. I got all three credit reports and none has any false information. I correctly answered ALL of their security questions but they continue to tell me I am not the person applying for the card. I am XXXX, so I have had several names and addresses over my lifetime ( birth name and a few marriages ) but the same name for 32 years, the same address for 16 years, the same phone number for 16 years, etc. I have even had the same email address for more than 20 years. There are not, and have never been, any fraud alerts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through Pressler and Pressler. 
I eventually called the number they gave me which was for Pressler and Pressler. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
Pressler and Pressler do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I sent a initial dispute letter to National Credit Systems on XX/XX/2018 ; follow-up letters on XX/XX/2018 and XX/XX/2018 asking the company to validate and verify the debt. Tell this day I did not receive proper validation of debt of ownership of dept from National Credit System. The company sent me a part of a rental lease an a bill. This isn't proper validation under FDCPA. Not only did I request for validation of debt, proof of ownership and many other requirement by law, I also provided them proof of inaccurate reporting errors on my credit reports. 

Also, I sent disputes to the all three credit bureaus ( XXXX, XXXX and XXXX on ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). Again, asking for proper validation and investigation of inaccurate reporting data. 

Unfortunately, I only received letters from the credit bureaus stating the account was " verified as accurate ''. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: WA

Complaint narrative:
My name is XXXX XXXX dob XX/XX/XXXX. 
I have a medical bill was already being paid through one collection agency called XXXX. At the same time a different company called XXXX was sending letters and calling about this same account. I kept telling them we were working with a collection agency already and they were already doing monthly automatic payments. 
I told them to call their client, the original creditor, because as of XX/XX/XXXX the account was paid in full. They told me they don't need to call the original creditor. After numerous phone calls and letters, including my phone call on XX/XX/XXXX. XXXX  sent me a letter saying has determined my dispute is not valid and I still owe the full amount of {$660.00}. 
On XX/XX/XXXX I have had a phone call with the original creditor and they told me XXXX is not one of the collection agencies they even use. 
Original creditor : XXXX XXXX account # XXXX service date XX/XX/XXXX XXXX  alleged account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX

Company response to consumer: Closed with explanation