vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A company calling themselves XXXX XXXX XXXX contacted me about a very old credit card debt, long gone from my credit report, perhaps 9-12 years old. They said I was going to get served for court and face charges if I didn't pay. As it turns out they are trying to collect on the very same old debt another company just got me to pay off. I believe I have been scammed. Now this second company keeps calling my cellphone, my work phone and my mothers phone. They know my address and other information as well. A man who is calling himself " Investigator XXXX '' keeps calling me at work. Initially I did speak with him and he was telling me I Need to reverse the charges with the other company and submit payment to them instead. The first company, the one I did pay is calling themselves XXXX XXXX XXXX XXXX. I will be filing a report about them as well because they too appear to be using illegal tactics. 
I am going to see an attorney regarding both companies next week

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 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Check dated XX/XX/XXXX was cashed on XX/XX/XXXX, and NSF Fee assessed XX/XX/XXXX. Check was dated XX/XX/XXXX in anticipation of direct deposit on that date, but issued as a courtesy to a service provider who is on site only once per week. Contacted bank today XX/XX/XXXX to secure explanation. Was informed that a check may be cashed when presented, no matter the date. Was told, " that date is only for your records ; it is meaningless to the bank. '' When I asked why I had been unable to cash a similarly post-dated payroll check in the past at their bank, I was informed that " the law is different for personal checks than it is for business checks. '' My inability to cash a post-dated check in the past was the basis for me to present the check to my service provider in advance of the actual date on the check. Now I feel my bank is not dealing with me equitably, or perhaps even legally, because their response does not seem to conform to the information I found on Consumerfinance.gov. When I asked them to waive the fee under the circumstances, they refused, but agreed to reimburse half.

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 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: IL

Complaint narrative:
The debt was to be payed by the father who the child lived with.. not the person who had no choice but to sign the paper so he could get treatment at the ER.. the child was on a vacation to Florida from iowa.. and this company XXXX XXXX for XXXX XXXX XXXX XXXX XXXX has taken my credit score down alot thats not right and I have never received a letter from them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: NC

Complaint narrative:
I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.

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 2018-08-24 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: NC

Complaint narrative:
I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.

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 2018-08-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK
State: TN

Complaint narrative:
I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have had my identity stolen in the past. These three names circled are not me.

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 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY XXXX XXXX XXXX. THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.

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 2018-08-24 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: NV

Complaint narrative:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.

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 2018-08-24 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: NV

Complaint narrative:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit report has 42 addresses on it. Some are duplicates or variations of the correct address. I have had my identity stolen in past and only want my correct information on my reports

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ray Skillman Westside Imports Inc
State: IN

Complaint narrative:
On XX/XX/18 I went to seek purchasing another vehicle. I already had a pre-approval from XXXX XXXX that I wanted to use for financing with the printed out confirmation number. I informed the salesman ( XXXX ) when he went back to his finance rep 's office ( XXXX or XXXX was his name ) that I did not want my credit ran through different banks and that was the reason for me trying to finance through XXXX XXXX. Later that night when was home I started receiving XXXX XXXX emails informing me of inquires ran on my credit through XXXX and XXXX. I did not give them permission to do this and when I informed the salesman of this they should have asked my permission first. I called them on XX/XX/18 and was told that they can't do anything about removing them now. That's unacceptable and very unprofessional. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted American Express and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what American Express has done to be unethical and inappropriate ; and I want this reporting removed off my personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My elderly father and his wife have health issues and are no longer able to manage there financial affairs.

I went to BBVA Compass on XX/XX/XXXX with him so i could also be assigned to his checking account. Once i looked at his account, i noticed a monthly charge of approx {$80.00}. on XX/XX/XXXX I inquired about this and BBVA said they have overdraft protection and they owe {$1900.00}. I also asked how much interest BBVA charges and they said it's 21 % APR.

I asked my parents and they had no idea they 1 ) owed {$1900.00} ( no where on their bill does it show this outstanding balance and 2 ) they have no idea they were paying 21 % which seems to be a hefty and unnecessary charge.

After going into a Compass Bank branch in XXXX on XX/XX/XXXX @ XXXX to ask about waiving the finance charge, the teller said i had to call. after more than an hour explaining my plight, they said they were unable to rectify my problem without first paying the entire {$1900.00} so they could close the account. I reiterated my problem wasn't with paying the principle but the interest. They said they could connect me to my branch and they can take care of it. I was transferred to XXXX XXXX XXXX XXXX TX XXXX location and they told me i must come in to their branch ( which is over 45 minutes away ).

They have been charged {$540.00} in interest in XX/XX/XXXX and {$260.00} in XX/XX/XXXX. I only want the interest charge waived and I will pay the principle. My parents have been getting charged by BBVA for over 10 years @ 21 % interest without knowing and dare i say, being told they are being charged this high of an interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
On XX/XX/2018, I relieved a letter from XXXX XXXX XXXX XXXX ( sent from XXXX XXXX XXXX XXXX, MA XXXX ). This letter was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I am XXXX XXXX   XXXX  at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX. The letter stated that XXXX XXXX XXXX owes {$780.00} to XXXX XXXX   ( no further information given ). I have never held an account of any type with XXXX XXXX and no such debt is reported on my credit report. The letter states that the debt can be settled for 50 % of its total value at {$390.00}. The letter states that it's required to say : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' The letter directs you to their call center : XXXX  or to their " self-service '' website at XXXX. At the self-service website, payment options include check, credit/debit card, and payment plans. I did not enter any requested info into the website above as I suspect it may be a phishing scam on top fraudulent debt claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About 4 years ago I purchased furniture from XXXX XXXX XXXX. I applied for their offered credit card with 0 % interest through Synchrony Financial. I set up automatic payments to break up all payments equally for the duration of my promotional 0 % interest term. For years they debuted my account for the same amount every month without incident. It finally came down to the last few payments and suddenly without notice my monthly payments were significantly reduced. This was done in an effort to ensure I would still have a balance on my card once the ridiculous interest rate applied after the promotional rate ended. Luckily, I realized what was happening and quickly paid off my remaining balance before their plan could be carried out too far.

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 2018-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
As directed by XXXX XXXX  and XXXX XXXX ( contact departments, name and numbers available upon request ) XXXX I have been directed to submit this complaint regard the most recent questionable/criminal activity by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company 1. JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to Local, State ( Pennsylvania ), Federal agencies and Court Administrations - Commonwealth of Pennsylvania XXXX, XXXX  County, PA, - Superior Court of Pennsylvania, Appeals Court, Philadelphia, PA, - United States Bankruptcy Court, XXXX  District of Pennsylvania, XXXX, PA ( Note : Fraud on the court has/is taking place by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company and its legal representatives ) JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to borrower a Veterans Home Loan recipient in writing and by telephone calls JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is continuing to distribute inaccurate/misleading/fraudulent mortgage account, mortgage servicing, financial transaction records, mortgage investor information, Veterans Home Loan underwriting and origination requirements ( insurance riders/policies ( disability, mortgage ( pmi ), flood, homeowners ) and escrow requirements Local, State, and Federal law enforcement has been notified and evidence has been submitted A few documents are attached to this complaint Suggest CFPB review documents and complaints submitted prior to this Additional documents, witnesses, and recordings are available upon request If there are any questions or concerns contact complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Incorrect names and address on my credit report. I have had identity stolen in past and only want accurate information on my 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 non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX   was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 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: DISCOVER BANK
State: OH

Complaint narrative:
I have spoken to discover card, XXXX, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the discover credit card off of my credit report permanently, which never happened. It keeps getting reinserted by discover credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent Discover credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
per attached creditor is reporting incorrect account status, payment status, balance and past due amount. It seems to be a game of destruction and irresponsibility to ruin and defame those whom demand correct reporting. XXXX blames USAA and USAA blames XXXX. Both should be shamed ... as none of the information reported is correct. This loan was paid in full nearing five ( 5 ) years prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation