vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 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: ERC
State: TX

Complaint narrative:
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Completed online dispute with the credit reporting agencies on XX/XX/XXXX. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One increased my rate on my card without a 45 day notice to give me the option to opt out of the new increase. I see hundreds of people on their XXXX site saying the same exact thing. How can they increase without letting consumers know in advance? Even the customer support rep I spoke with had no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
Received a call I thought was from my nephew, on Monday, XX/XX/XXXX who flew to New York for a friends wedding over the weekend.. He had a few drinks and got into an accident. No major injuries but said he did XXXX XXXX XXXX, this is why I thought he did sound a little muffled but he did still sound like my only nephew. I asked him if his wife knew. He said no and asked me not to say anything to anyone until he got home. He wanted to explain to her in person. He was just recently married. He was issued a XXXX and they would n't release him until he paid the woman he hit for her car repairs. Supposedly the wedding and accident was on Sunday and he had a flight to come home on Monday night. He said he was going to have his lawyer call me with the details of how to send {$1000.00} for the car repairs and if we could send it right away he could n't wait to come home. He sounded very scared!! I then received a call from his lawyer, XXXX XXXX who explained to us that we needed to do a wire to wire transfer from XXXX to XXXX to the state of New Jersey attention to a XXXX XXXX who was the woman 's lawyer and that it had to be cash. Never doubting this was not on the up and up, we sent the money via a debit card. A little while later, the same day, the lawyer called us again to say the woman he had hit had just come back to them to say she had ended up going to the hospital and wanted the money for that bill. We needed to send another {$1100.00}. We went back to the same XXXX but a different lady helped us and she had no problem sending them the money. We then received a call from the lawyer again telling us that the money had not gone through because XXXX should have only done one transfer per day. They were going to send us our money back but it would take about 5 days or so. He then wanted us to go to a XXXX XXXX at a XXXX to send the {$1100.00}. Of course we then suspected that we were being scammed. When we told him that we were not going to do that but that we were going to call my nephew 's wife, he hung up on me. We were finally able to reach my nephew to find out that it was not him calling us and that he was safe here in Illinois. My husband has gone to the bank, the local police and has called every government office we were told to. He found out from our bank that XXXX is not suppose to do more than one transfer for a person within one day. We are out both amounts of monies along with the XXXX fees. They really played on our emotions and it is a horrible feeling. We have the name and phone number of the lawyer and we have both of our XXXX receipts with reference codes, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: PA

Complaint narrative:
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: PA

Complaint narrative:
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/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 2018-01-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've applied and was approved for a business loan in XXXX 2016 through Wells Fargo with a promise by the business banker that after 3 months I could get a refinance through Wells Fargo. Several months into the loan, I found out that Wells Fargo wrongly reported to the credit bureaus that my business loan account was delinquent by two months or missing two payment, but the truth was that I had been paying the account on time and in good standing. I later reached out to them to rectify the problem, but it took them nearly six months before they could fix the issue. Throughout that entire six months period, I was unable to secure additional financing for my business, which led to a snowball effect of debt accumulation and missed opportunities for the business. Although the wrong report on the credit profile has been fixed, our company suffered much damage, which led to our inability to pay for our other business credit cards and personal credit cards and a direct impact on both my business and personal credit reports. I have asked for a compensation and submitted evidence of denial of credit, but Wells Fargo Business Direct resolution team refused to budge and even sent us a lawyer letter.

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 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had a friend use my referral link to apply for an American Express Business credit card on XX/XX/17 and be instantly approved. The referral bonus is supposed to be XXXX XXXX points that American Express owes me. I have since not received any points and I have contacted American Express about it multiple times. They originally opened an investigation and said it would be at most 4-6 weeks to get it resolved. It has now surpassed that and every time I call American Express, I am told that the investigation is still open and they will reach out to me within a week which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.

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 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.

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 2018-01-11 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 — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.

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 2018-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.

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 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I sent this company a notice to this company to let them know that I am sending them a restrictive endorsement check. This company received the said letter last XX/XX/XXXX. They responded last XX/XX/XXXX but in their response, there is no mention of anything with regards to the notice they 've received. Last XX/XX/XXXX, as shown on the attached certified mail receipt, they received another letter from my enclosed is a check to pay the balance they are collecting. At the back of the check states the condition required for them to be able to cash the check. The condition is that, check can only cashed if the derogatory information will be deleted by this company. This company then cashed the check last XX/XX/XXXX. Even up to know XXXX has not removed the negative item from my credit report breaching our agreement. I have my XXXX ready to be filed as shown in the attached documents if with the third and final request, XXXX will not comply to the agreement the entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is reporting a auto loan that I 'm not responsible for. I have disputed and sent paperwork with explanation.Please help me resolve this matter quickly.

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 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: MN

Complaint narrative:
Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On the date of XXXXX-2018, I had checked my credit information on the website XXXX XXXX XXXX And I have found some incorrect information regarding my name and my information used. The name that was used its spelled XXXX XXXX along with the address XXXX XXXX XXXX XXXX XXXX, XXXX SC. That is not I so I feel as if somebody is using my information under that name for identity theft.

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 2018-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XX/XX/2014 I began working with Navient to consolidate my federal student loans. I paid them a total of {$600.00} and was advised that my loans were paid in full. My loans were also taken off my credit report ; they returned a year later and while attempting to contact Navient, I was advised that they could not locate my account.

Company response to consumer: Closed with explanation