vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reviewed experian reply as to complaint filed. Still experian has failed per he FRCA and privacy law breach act to furnish any documents bearing my signature of stated public record of bankruptcy on my report. Experian states that they have verified accurate of any bankruptcy with public record and or vendor. Experian still has not let my compliant supplier me with information or written documents advising who and what vendor has given them information. I still continu me to still suffer from financial stress of experian neglect behavior and operating out of the law and cause deformation of credit ability to me. Lastly, I am still requesting that any and all accounts showing bankruptcy and public record of bankruptcy be removed from my report due failure of supply me with written documentation of such. Just because experian is staying that they verified such public with data vendor does not comply with stated original compliant and the FCRA. If not removed I will move forward with civil law suit for neglect actions.

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 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Between the months of XX/XX/XXXX and XX/XX/XXXX I  disputed the validity of a debt and account ( using my information without consent ) with an attorneys office on behalf of XXXX XXXX. The case XXXX was closed and the attorneys office responded the will cease collecting attempts. Fast forward to XX/XX/XXXX and I get a notification from XXXX credit bureau and from XXXX XXXX. The alerts notified me that a new account was added which was from XXXX XXXX My dispute this time is their blatant disregard of the conclusion of the cfpb case listed above XXXX. Ive spoke To the credit bureaus and they said that I was to receive a notification before the account and negative information was added to my credit report. This is a blatant violation of not only the FDCPA in regards to continuing to attempt to collect as well as the FCRA for furnishings negative information without written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.

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 2018-03-17 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: TX

Complaint narrative:
To CFPB, We previously contacted you concerning Trans Union and the old inaccurate addresses still on my report. Trans Union did send us a report but stopped short of showing the deletions of the old addresses. This is troubling to us considering that Trans Union states they take the accuracy of a report seriously. Apparently not!!

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 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My husband XXXX in XX/XX/XXXX. Wells Fargo Bank allowed my stepson to put a death hold and freeze on my husband and my joint checking account on XX/XX/XXXX after my husband XXXX. My stepson went to the bank using my husband 's outdated will stating that he was the executor of my husband 's will ( he was not, my husband changed his will and I was the executor ). For two months this account was frozen and it was only released by Wells Fargo when my attorney threatened Wells Fargo with legal action. My stepson had asked the judge of probate to freeze this account on XX/XX/XXXX and when the judge refused because the account was in survivorship to me the stepson went to the bank with the outdated will. Wells Fargo should never have allowed this to happen. I would like a written report of what happened that Wells Fargo allowed the stepson to interfere with this account when his name was not on the account. I believe that fraud was committed and I would like a written report of what happened. Wells Fargo has been uncooperative and will not answer questions. I believe that I deserve a report of what happened that an unauthorized person was allowed to freeze my account. XX/XX/XXXX and XX/XX/XXXXat Wells Fargo worked on this complaint. The case number is XXXX and the reference number is : 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 2018-03-17 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
OnXX/XX/XXXX, GM Financial inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with GM financial since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted GM customer service on XX/XX/XXXX to question why myXX/XX/XXXX payment was reported to the credit bureau as being late. I paid theXX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXX and XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states GM financial will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXX and instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with XXXX XXXX  since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted XXXX  customer service on XX/XX/XXXX to question why my XX/XX/XXXX payment was reported to the credit bureau as being late. I paid the XX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXXand XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states XXXX XXXX   will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXXand instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.

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 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
Upon seeing my credit reports I discovered a debt in collection I have never heard of. I don't think its fair I was not mailed any information prior to it going on my credit report. This makes me question if it is really mine or an error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''. 
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXXI happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with

Chase. Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account. There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase
on XX/XX/XXXX and they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXXI my American Express gift card was fraudulent used through an unauthorized XXXX account ... i called American and XXXX to dispute this matter for 3 Months straight. Finally XXXX  released the funds back to American Express but the issue Im having is that American Express will not released the funds back to my gift card because I don't have proof of Original Purchase .... As I stated to American Express Customer Service is that I was given this card as a gift and when i was given this card I Activated this card via the American Express site .... I have been in contact with them Since XX/XX/XXXX and i can't seem to get any resolution. I faxed over my Driver License and a copy of the card as instructed but they refused to release my money ... I have email proof that XXXX sent the money back to american express and accepting responsibility for this matter ... Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/XXXX I happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with Chase.

Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account.

There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase on XX/XX/XXXXand they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I notified Novient when i found myself laid off and they didn't inform me of any options available to me. They did put my loan in forebarence and reported my payments late on my credit report. I told them I was making less than 800 a month. Rather than educating me on an income driven loan which I would not qualified for. Now I'm again trying to get an income driven loan and I feel they are attempting to put me in a higher payment than what Ive researched my payments should be. I asked them to remove the late payments on my credit report and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: FL

Complaint narrative:
I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my 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 non-monetary relief
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a credit card account with Capital One on XX/XX/XXXX. XXXX XXXX informed me that they shut down the account. I contacted Capital One and they informed me they shut it down due to inactivity. They stated they sent me a letter in XXXX to inform me that if there was not activity they would shut it down soon. I have never received this letter. I asked them to verify if I signed for this letter, or confirm in any way I did receive this letter. I have not received any such letter. Also, last year I contacted Capital One to inform them that my credit card had been stolen and I needed a new card. I have never received this card, therefore I can not use a card i do not have. In summary I had no desire to shut down the account. I planned on continuing to use the card. There stance was that they shut it down due to inactivity, yet if they would have sent this letter or my replacement card then the account would never have been shut. There negligence has affected my credit rating. I spoke to 2 different account representatives ( XXXX ID # XXXX and XXXX ID # XXXX ) on XX/XX/XXXX at XXXX EST, who both refused to re-open my account. Of course, they asked me to open a new account. I do NOT do business with companies who do NOT care about their clients. The offer to open me a new account, but not re-open my old account due to their mistake. My credit rating is XXXX   ... any credit card company will open an account for me, but Capital One will NEVER get more business from me unless this is cured.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2017 XXXX is only credit reporting 30 days late on Capt One account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX  corrected and updated my account information. 
I have written letters to XXXX  to remove lates because that is not accurate information. But have not been able to get this resolved.

Company response to consumer: Closed with explanation